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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 Education

If 92% of active funds don’t beat the market, why are people still investing this way?

By: Stuart Ritchie
June 13th, 2019

It’s mind boggling active investing still survives.

Despite all the studies proving its underperformance.

Yet many investors choose to miss out on new opportunities.

Adamant that a tech-driven, science-based, systematic approach to making more money is not for them.

Why?

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Blog Feature

Investment | Financial Planning | Financial Education

Why do you keep recommending Dimensional Funds?

By: Stuart Ritchie
June 11th, 2019

A few days ago, a client emailed my colleague.

He assumed we’re incentivised to sell Dimensional Funds…

Acting as ‘estate agents’ earning fees from both landlords (fund companies) and tenants (investors).

Not surprising, given how ‘traditional’ financial services work…

But what’s so unique about DFA and our own approach is…

We simply believe in the evidence.

Here’s why.

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Blog Feature

Financial Planning | Financial Education

Are robo-advisers taking over?

By: Stuart Ritchie
June 4th, 2019

With technology taking over most areas of our lives…

Are robo-advisers taking over financial services?

I doubt it.

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Blog Feature

Investment | Financial Planning | Financial Education

What is value investing and is this strategy right for me?

By: Stuart Ritchie
June 2nd, 2019

Most people have heard of value investing.

Warren Buffett became a billionaire following this strategy.

But new research shows the names of many value funds are misleading.

And not all value strategies are created equal.

So before you decide this strategy is right for you…

Read on.

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Blog Feature

Investment | Financial Education

How can I time the market to maximise growth?

By: Stuart Ritchie
May 23rd, 2019

This week, a reader asked this very question.

And I know why.

It’s against our nature to sit back and do nothing.

As investors, when markets are volatile…

We feel compelled to react.

But this is the last thing we should do.

Here’s why.

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Blog Feature

Investment | Pensions | Financial Education

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

By: Stuart Ritchie
May 22nd, 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…

Hangs heavy over them.

Sound familiar?

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Blog Feature

Investment | Financial Education

Is the stock market about to crash?

By: Stuart Ritchie
April 25th, 2019

“Expect the best. Prepare for the worst.”

That’s the advice I give clients.

No one knows what the future holds

But there are ways to mitigate the impact of a downturn.

Here’s how.

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Blog Feature

Investment | Financial Planning

If your adviser's confused about this - tell them to hit the road. PLUS recommended reading at the end.

By: Stuart Ritchie
February 28th, 2019

Risk and volatility sometimes get confused.

(By financial industry insiders too).

While one’s scary, and the other risky…

They don’t have the same consequences on your money.

Here’s why.

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