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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

Financial Planning

5 of the simplest, most tax-efficient ways to distribute wealth to your family

By: Stuart Ritchie
November 13th, 2019

I deal with a lot of investors who not only want help to grow and preserve their wealth...

But distribute it to their families too.

The latter part of financial planning is particularly important as family wealth can drastically decline across generations.

In fact, many family fortunes rarely make it to the third generation.

Which means your wealth most likely won't reach your grandchildren.

But that's only if you don't plan properly.

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Investment | Financial Planning | Financial Education

How the ground-breaking technology of Dimensional Funds is the future of investing

By: Sam Instone
November 6th, 2019

Science has changed every aspect of our lives...

Including how we communicate, travel, shop and even invest.

And the technology keeps improving.

In the financial world, those who don't keep up, often fall behind.

And sell their clients short.

Here's why.

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Blog Feature

Investment | Financial Planning | Financial Education

4 of the most burning questions we're asked every single day

By: Stuart Ritchie
October 24th, 2019

We all know there's a lot of uncertainty in the world.

Events like Brexit and the US-China trade war have affected economies and markets which, in turn, have created panicked investors.

Almost daily, we're asked the same questions.

In case, you have similar concerns of your own...

Here are the answers to help put your mind at ease.

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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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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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