AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Blog Feature

Investment | Financial Planning

Investment risk and retirement

By: Sam Instone
August 1st, 2018

Managing investment risk is important at every stage of life.

But especially so in retirement. 

You want to enjoy your wealth now…

But one of the biggest risks of all is running out of money. 

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Blog Feature

Investment | Financial Planning | Financial Education

Why I’m talking so much about Dimensional Fund Advisors

By: Sam Instone
July 24th, 2018

I’ve talked about them a lot recently. 

They’re virtually unknown.

But likely represent a golden opportunity for any investor.

So, what’s the big deal?

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Blog Feature

Investment | Financial Planning | Financial Education

Which factors are the most important?

By: Sam Instone
July 11th, 2018

Investors in traditional index funds are buying the entire market.

Capturing its returns.

But data shows that investors who expose their portfolio to specific factors can (and do) beat the market over the long term.

Enter factor-based investing.

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Blog Feature

Investment | Financial Planning

When index investing shines (and when it doesn’t)

By: Ian McGugan
July 10th, 2018

Indexing is the most thoroughly researched, best-supported method yet devised for ensuring good investing results over the long term.

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Blog Feature

Investment | Financial Planning

Where did all the alpha go?

By: Sam Instone
June 19th, 2018

The investing industry often talks about alpha.

In simple terms, alpha is a measure of outperformance compared to the market.

The evidence shows that fund managers are finding it increasingly difficult to generate alpha.

According to a book called "The Incredible Shrinking Alpha", there are 4 reasons..

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Blog Feature

Investment | Financial Planning

Why a buy-and-hold approach beats speculation

By: Sam Instone
June 13th, 2018

Technology and investing have many parallels.

Both constantly improve.  

Both evolve over time.

Newer versions constantly replace what was once seen as the best.

And both are passions of mine.

Some have even described one particular type of fund as having a ‘cult-like status’.

Fans of Apple can certainly relate to this.

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Blog Feature

Investment | Financial Planning

The danger of staying close to home when investing

By: Sam Instone
June 6th, 2018

There are many behavioural biases to overcome when investing.

One of the most common that investors are prone to?

Home bias.

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Blog Feature

Investment | Financial Planning

Why my money is in passively managed funds

By: Sam Instone
May 25th, 2018

Last week one blog I published caused a flurry of questions to my inbox.

It caused confusion.

Sparked curiosity.

And a little anger.

The greatest reaction stemmed from one sentence:

“My own money is in firms such as DFA moving forwards.”

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