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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.

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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Investment | Financial Planning | Financial Education

This Harvard expert shares the secret to living richly (and it's the simplest thing you'll see today)

By: Sam Instone
October 3rd, 2019

A few years ago, a U.S. Admiral delivered one of the most inspiring speeches of the decade.

He shared the important lessons he learned in the navy and one which he believed is most important... 

Making your bed.

His message spread like wildfire and it's something that still resonates with me today...

Here's why.

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Blog Feature

Financial Planning

Updated for 2019: How we helped lottery winners stay rich (3-point plan)

By: Stuart Ritchie
August 13th, 2019

Just imagine winning the lottery. 

You could do pretty much anything.

Give up work.

Take luxury holidays.

Huge houses....Beautiful cars.

No worries for the rest of your days.

Right?

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Blog Feature

Financial Planning | Financial Education

This is how random global returns are

By: Stuart Ritchie
July 10th, 2019

"Market data doesn't lie. So we've made a crucial decision. We're not going to try and win a few hands - we're going to own the casino" - Matt Hall

I love this quote by Matt Hall in his book, Odds On.

He’s comparing ‘traditional’, speculative investing with a ‘systematic’ or evidence-based approach.

Like a roulette wheel, global equity returns are random.

Winning big may occasionally happen.

But this is down to dumb luck.

Here’s the proof.

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Blog Feature

Financial Planning | Financial Education

Am I going to be okay?

By: Sam Instone
July 4th, 2019

I recently overhead a client ask:

“Am I going to be okay?”

Like many of our clients, he was a ‘HENRY.’

High Earning Not Yet ‘Rich’.

OR at least not rich enough to have no money cares in the world.

He worries about having enough to see him through retirement and set his children up for their futures.

I wasn’t surprised to hear this…

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Blog Feature

Investment | Financial Planning | Financial Education

Is hiring an adviser worth it? (Part 2)

By: Sam Instone
June 27th, 2019

In case you missed it.

This week I mentioned 4 key factors that either make an adviser ‘worth it’ or not.

Here’s the next set.

And surprisingly, they are all about YOU.

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Blog Feature

Investment | Financial Planning | Financial Education

Is hiring an adviser worth it?

By: Sam Instone
June 25th, 2019

Another great question from a reader.

Let’s be honest, it’s what we’re all thinking.

It’s one of THE most important questions when it comes to financial advice.

So is hiring an adviser worth it?

My answer might surprise you.

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Blog Feature

Investment | Financial Planning | Financial Education

Is renting throwing my money away?

By: Stuart Ritchie
June 16th, 2019

Many of us own property back home.

Some of us have mortgages on our expat homes too.

While most expats rent...

Emotionally, it often feels we should be buying.

Which one leaves us financially better off? 

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