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AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Stuart Ritchie

Stuart Ritchie is a Chartered Financial Planner, APFS, Chartered Wealth Manager, Chartered FCSI

Blog Feature

Investment | Financial Education

Dr Jekyll and Mr Hyde: the dark side of compounding that your adviser's most likely not telling you about

By: Stuart Ritchie
February 14th, 2019

It’s all too easy to ignore the small print.

To gloss over the detail and hear the things you want.

Time to stop and think.

Are well concealed charges eating away at your returns like termites?

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Blog Feature

Investment | Financial Planning | Financial Education

What does Apple's first slogan have in common with our MOST successful clients?

By: Stuart Ritchie
February 5th, 2019

“Think different.” 

One of Apple’s most memorable advertising slogans

Also applies to the way we observe self-made millionaires and how billionaires handle their money.

Here’s how.

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Blog Feature

Financial Education | Financial Planning

It would NEVER happen to me (or could it?)

By: Stuart Ritchie
January 30th, 2019

No one likes to think about mortality.

Last week, I published a blog asking how old you’ll be when you die

(And some didn’t like it).

But the reality is harsh and unavoidable.

It can be even harsher for those you leave behind…

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Blog Feature

How old will you be when you die?

By: Stuart Ritchie
January 24th, 2019

1 in 3 people born today will live to over 100.

The smoker sitting opposite has now made 23 days ‘clean’.

Everyone is living longer.

We all want to know how long we’ll live but we’ll never really know.

All we can do is plan for all eventualities.

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Blog Feature

Investment | Financial Planning

2017 vs. 2018 in the market (PLUS! Tips for 2019)

By: Stuart Ritchie
January 10th, 2019

A lot can happen in a year.

The Earth orbits the Sun.

130 million babies are born.

And the stock market proves (yet again)…

Why we cannot possibly predict what’s yet to come.

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Blog Feature

Financial Education | Investment

Confused about these investing terms? You’re not alone

By: Stuart Ritchie
January 3rd, 2019

A New Year brings new goals.

If investing is on your list of resolutions…

A good place to start is with some basics.

The lingo.

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Blog Feature

Financial Education | Financial Planning | Investment

5 podcasts you should listen to in 2019 (plus 3 facts you might not know)

By: Stuart Ritchie
January 2nd, 2019

If you aren’t already a lover of podcasts…

Do yourself a favour and hop on the bandwagon.

If, like me, time is something you lack…

But you are always hungry to learn…

Then podcasts are without doubt the most convenient way to consume content.

Here are my top 5 podcasts…

Why not give them a try in 2019?

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Blog Feature

Investment | Financial Planning | Financial Education | Pensions

How to choose a financial adviser who’s right for you

By: Stuart Ritchie
December 23rd, 2018

Following on from last week’s blog

Discussing the 4 types of financial advisers…

Here’s the next step…

Actually choosing one…

With insight from financial expert, Michael Kitces.

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