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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 | Financial Education

Can I trust my financial adviser? [video]

By: Sam Instone
May 14th, 2019

It’s no secret.

There is a huge trust deficit in my profession.

And with good reason.

Historically, ‘financial genocide’ against expatriates had been commonplace…

With poor performance, a lack of transparency, and sky-high concealed charges.

This baggage results in a question I hear time and time again.

“Can I trust my financial adviser”?

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Blog Feature

Investment | Pensions | Financial Planning

I want to retire with £10 million. How much should I save?

By: Sam Instone
May 7th, 2019

£10 million is a lot of money.

For most, it seems impossible to accrue.

But it can be done…

With discipline and a plan of action.

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Blog Feature

Investment | Financial Planning | Financial Education

Do you really need to meet your adviser in person?

By: Sam Instone
May 2nd, 2019

Many investors yearn for face-to-face advice.

Personalised service from someone they can ‘trust’.

Evolution makes us this way.

But it also makes us bad investors.

Here’s why face-to-face advice may be the most expensive mistake you ever make…

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Blog Feature

Investment | Financial Planning

Can I ever trust anyone who works in finance?

By: Sam Instone
April 22nd, 2019

My grandmother trusted a stockbroker in a pin-striped suit.

My parents, a ‘charismatic IFA’ who’d visit their house or meet my father at his office or golf club.

Neither of these methods worked.

Overseas; financial train wrecks, car crashes and minefields abound.

In the jungle of banks, brokerages, insurance companies and advisers – is there anyone out there you can trust to care about YOU?

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Blog Feature

Investment | Financial Planning

“I currently have money invested through [XXXXXXX] but my portfolio isn’t performing well. Can you tell me why?”

By: Sam Instone
April 11th, 2019

One late spring afternoon, this question arrived by LinkedIn message.

It joined the deluge of others.

From expats with ambitious dreams for the future who were similarly frustrated.

If not, fed up.

The truth is, a little knowledge is power.

It’s not hard to get much better results if you know how.

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Blog Feature

Investment | Financial Planning

Is investing a science or an art? It's both. If you disagree, read this. By the end, we will see eye to eye.

By: Sam Instone
April 9th, 2019

Most fields outside of academia are a balance of science and art.

Including investing.

It’s human and emotional.

Yet based on data, years of research and evidence.

Who disagrees?

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Blog Feature

Investment | Financial Planning

Why the ‘world's largest fund company you've probably never heard of’ only allows access to its funds through hand-picked advisers

By: Sam Instone
April 4th, 2019

 A few days ago, I posted about active, passive and Dimensional funds.

Dimensional Fund Advisors (DFA) are known for being “the world’s largest fund company you have probably never heard of”…

Insiders know them for their Nobel prize-winning research and evidence-based approach to maximising expected returns.

One follower asked, “Why can Dimensional funds only be accessed through a financial adviser?”

The answer deserves a blog of its own.

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Blog Feature

Financial Planning

To own, rent or hail (think Uber). That is the question. Time to keep your investing head; it's just another paradigm shift.

By: Sam Instone
March 19th, 2019

As expats, we’re often torn between renting and owning.

Everything from cars to property.

I touched on the latter last week.

Today, let’s talk cars.

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