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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 | 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 Education

Is the stock market about to crash?

By: Stuart Ritchie
April 25th, 2019

“Expect the best. Prepare for the worst.”

That’s the advice I give clients.

No one knows what the future holds

But there are ways to mitigate the impact of a downturn.

Here’s how.

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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

Investment | Financial Education

This will get a few of you up in arms. But if you want to hear a bunch of comforting lies then you've subscribed to the wrong blog

By: Sam Instone
March 28th, 2019

This morning, a ‘precious metals' conference was promoted on the radio.

Lots of ‘experts’ making wild predictions.

I’m tired of the media portraying gold as a good investment.

The evidence clearly proves otherwise.

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