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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 | 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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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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