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AES International Wealth Management & Employee Benefits Blog

You Ask, We Answer

Answering your questions... to help you feel relieved, confident, empowered – and good about your wealth.

Stuart Ritchie

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

Blog Feature

Investment | Financial Planning

The fall of the ‘Woodford’ fund – and what it means for your money

By: Stuart Ritchie
October 16th, 2019

That’s it.

The end of one of the UK's most well-known ‘star manager’ funds is nigh.

Back in June, Woodford’s Equity Income fund was closed to withdrawals.

The goal was to sell off the least liquid parts, and re-open at a later date.

But yesterday, the decision was made.

The fund will shut down, permanently.

The vast number of retail investors will not get any money back until mid-January.

(At the earliest.)

So, what happens now?

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Blog Feature

Investment | Pensions | Financial Education

How will a no-deal Brexit affect my UK investments as an expat?

By: Stuart Ritchie
October 15th, 2019

Brexit has everyone in a tailspin.

UK nationals living in other countries feel especially vulnerable. 

The uncertainty regarding their futures…

Not to mention UK pensions and investments…

Hangs heavy over them.

Sound familiar?

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Blog Feature

Pensions

Should I transfer my UK pension to a QROPS or a SIPP?

By: Stuart Ritchie
September 26th, 2019

Over the years, many investors have reached out with concern...

Encouraged by certain financial firms or rogue 'advisers' to transfer their pensions.

Understandably, they've been confused and doubtful.

If you've been contacted or have any doubt about whether you should or shouldn't transfer...

I urge you to continue reading.

Understand the implications of transferring before you make any decision.

Remember, your life savings are at risk.

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Blog Feature

Financial Education

7 alarming things you must know before hiring a financial planner (#3 will blow your mind!)

By: Stuart Ritchie
September 19th, 2019

On a recent flight back to Dubai, I got talking to an oil and gas professional named Neil.

After discovering I was in financial services, he was all too eager to share his own experiences with his 'adviser'.

They often met up for a round of golf.

In fact, his 'adviser' became part of his close circle of friends.

During the conversation, I kept biting my tongue.

After years of hearing them...

I knew how stories like these inevitably ended.

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Blog Feature

Pensions

How to avoid the silent pension killer [plus 2 other ways to ensure you don't outlive your money]

By: Stuart Ritchie
September 16th, 2019

If you're nearing retirement, you probably have a lot on your mind.

What will you do with all that spare time?

How many holidays can you afford?

Will your money last, even if you live longer than expected?

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Blog Feature

Investment

How to avoid these common investment mistakes and become a better investor

By: Stuart Ritchie
September 8th, 2019

Last week's blog was about the uncertainty of investing.

About the many aspects that are out of our control.

Yet, adversely, there are so many things you can control...

And they all begin and end with you.

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Blog Feature

Financial Education

Repatriating to the UK in 2019: Your instant guide (Part 1)

By: Stuart Ritchie
September 4th, 2019

A reader recently emailed us.

He was moving back to the UK in a few months...

And felt overwhelmed. 

He wanted to know what he needed to plan for...

If he had taken everything into account...

If he had forgotten anything. 

This one needs a blog of its own. 

There's a lot to tackle.

But it's worth a read if you're considering moving back too...

Whether that's now or in the future.

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Blog Feature

Financial Education

How one oil and gas professional lost £210,000 to a sales tactic now banned in the UK

By: Stuart Ritchie
August 29th, 2019

If you thought the story of the investor who lost £66,000 was shocking…

Wait until you read this.

An oil and gas professional lost an astounding £210,000…

Officially making it the worst case we’ve ever seen.

Here’s the full story.

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