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Warning: expat with investments, KNOW THIS, the entire industry is stacked against you

By Sam Instone - January 22, 2018

[Estimated reading time: 2 minutes - read while the coffee machine warms up]

Have you ever been humiliated at work?

I have.

And as a chartered financial planner (and expat), it hurt

With hindsight, it was a good lesson.

I'm sharing it with you because it will help you understand why your financial health is at risk AND what you can do about it.

(Too busy to read on? OK - then please just download your free Insider Secrets guide to How financial salesmen make money on your investments NOW ... save it ... read it when you can - because it will help you protect your assets).

My long humiliation story - short

I’d just moved to Dubai, and was invited to give an investment management masterclass. 

I was happy to share my advice - hopefully help - and maybe win some business.


  • Some of the attendees had investments already, mainly wrapped in offshore investment bonds
  • They’d been badly advised and were haemorrhaging money 
  • As a financial planner, I became their verbal punching bag.

Their frustrations manifested as anger … in the end, there was no masterclass.

Their frustrations manifested as anger  when someone has been mis-sold

  • I wasn’t responsible for their losses 
  • But I couldn’t defend myself...
  • Because to them, I represented the ‘financial industry’ that let them down

FREE GUIDE: Insider Secrets: How financial salesmen make money on your investments »  

It was an upsetting experience – for them, their colleagues and me.

Walking out of there at the end of the night, I felt embarrassed by my peers.

Gaining from the pain

When I moved to Dubai, I had no idea how rife self-serving financial salespeople operated in places like the UAE.

The entire industry seems stacked against expats like you and me.

  1. There are toxic products that destroy our wealth
  2. There are decent products that are sold purely for commission, and destroy our wealth
  3. And then there are the financial salespeople who have fled the professional standards and regulation we are used to back home

Those profiting do so because most expats – like me when I first arrived in Dubai – have no idea what’s going on.

As a long-time chartered financial planner, I figured it out very quickly.

But anyone who remains unaware is risking their financial wellbeing.

How to protect yourself – using Mandela’s weapon of choice

Nelson Mandela famously said:

"Education is the most powerful weapon which you can use to change the world."

Nelson Mandela

I couldn’t help the expats at the masterclass – but I can help you.

So, here’s a link to an accessible and digestible, short and to the point guide – you can read it in the time it takes to enjoy a cup of coffee…

FREE GUIDE: Insider Secrets: How financial salesmen make money on your investments »  

It walks you through:

  1. The grim facts financial salespeople don’t want you to know
  2. How they make money and why their clients don’t
  3. An explanation of offshore investment bonds, that are often sold in order for the 'adviser' to earn commission
  4. How the odds are heavily stacked against expats, like us
  5. And … what exactly you can do to protect yourself … even if you’ve already been affected
It’s free – and it might just save you a fortune.

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