Discover 9 essentials you need to know before work becomes optional.
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When money is tight, the investment contribution feels like the most flexible line in the budget.
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The subtle financial phrases that quietly cost investors the most over time.
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Essential insights into business exit planning for internationally mobile founders, focusing on preparation, tax strategy, and family dynamics for a successful transition.
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Are you a CEO or otherwise lead a company of 20 or more people?
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The ideal savings rate is something your family can sustain month after month.
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10 key principles to improve your odds of investment success.
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Why most people significantly underestimate how much they need to save for financial security.
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A practical resource for UAE HR professionals covering mental health support, and how to get more from your group medical insurance.
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Guide to returning to the UK in 2026: Navigate tax, financial planning, and residency challenges for a smooth transition back home.
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Discover how to safeguard your wealth during times of war and geopolitical turbulence.
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Is your group medical insurance working for you or against you?
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The risks of pursuing commodity momentum instead of focusing on long-term investment strategy.
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Whether increasingly concentrated equity markets pose a meaningful risk to investors.
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A practical guide to protecting your family, wealth, and your future in uncertain times.
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When life changes, money changes. And when money changes, life changes. These transitions in life are inevitable and something we will all go through.
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What genuine financial life management looks like beyond product sales and portfolio reviews.
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Discover the importance of local expertise in managing UAE employee benefits, ensuring compliance, cost-effectiveness, and timely support for global benefits directors.
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Is AES regulated in the UAE? Explore the regulatory landscape for financial services in the UAE and understand how AES ensures compliance and consumer protection for expatriates.
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The differences when it comes to long-term investing.
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The behavioural economics behind why experiences tend to deliver more lasting satisfaction than things.
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How AES's culture and fiduciary model appeals to a new generation of financial planners.
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Practical end-of-year planning steps for high-net-worth families to protect and grow their wealth.
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Discover how Rachel Reeves's 2025 Autumn Budget could impact global high-net-worth individuals and why waiting for facts, not rumours, is crucial for financial planning.
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How committing to the fiduciary standard reshapes client relationships and the entire business model.
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A practical breakdown of Budget 2025 and what it means for British expats and non-residents.
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The key questions HR leaders should ask before renewing group medical cover to avoid overpaying.
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Transform your insurance negotiations by asking these 10 crucial questions to optimise benefits, reduce costs, and enhance employee satisfaction.
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Why conventional retirement frameworks no longer fit the reality of modern expat lives.
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Discover seven essential financial truths that help wealthy professionals in Dubai retire successfully and maintain their financial independence throughout retirement.
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Why financial recovery and rebuilding is possible at any age or life stage.
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Why disciplined, long-term investors should ignore the fear of missing out on market trends.
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Discover why spending more in retirement might be a smarter financial move, and learn strategies to ensure your wealth lasts while enjoying the lifestyle you desire.
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How values-based financial planning helps people make money decisions with greater clarity and purpose.
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How emotional discipline consistently outperforms clever strategy for long-term investors.
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Learn why staying invested in a diversified portfolio is the key to real wealth, even when it feels less exciting than chasing market hype.
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Discover the top five retirement regrets and learn actionable steps to avoid them, ensuring a fulfilling and regret-free retirement.
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Discover the signs that indicate you might be ready for retirement sooner than you think, without sacrificing your lifestyle or financial peace of mind.
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Discover the strategic benefits of group health insurance for employees in the UAE, including improved retention, better access to care, and cost efficiency for your business.
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Discover how the wealthiest 1% save for retirement with simple, effective strategies to build sustainable wealth and secure financial well-being.
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Why predictive thinking and market forecasting can actually undermine investment returns.
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How high earners can secure a financially stable retirement, even amidst inflation and tax uncertainties.
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People have been obsessed with property for years. Is buy-to-let property really a substitute for a well-invested pension pot?
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Discover how financial education and smart planning can ensure your children and grandchildren sustain and grow your hard-earned wealth.
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Discover how Health Reimbursement Arrangements (HRAs) in the UAE can offer flexible, cost-effective healthcare benefits for your employees.
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Discover the hidden risks in investments you think are safe. Learn how experienced investors redefine risk and protect your wealth from erosion.
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Discover how the final five years before retirement can significantly boost your finances through smart planning and strategic investments.
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Why steady habits and a long time horizon beat market timing for building lasting wealth.
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Understand the crucial differences between trading and investing to make informed financial decisions and build sustainable wealth over time.
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Discover a retirement destination for active individuals seeking a sun-drenched, outdoor lifestyle with favourable taxes and great cycling opportunities.
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Discover why the latest stock market crash isn't causing smart investors to panic and learn how to navigate market volatility with confidence.
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Guide to choosing the best business health insurance in the UAE, focusing on cost management, employee well-being, and strategic planning for sustainable growth.
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The role emotional intelligence plays in making wiser, more considered financial choices.
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( Laws of money ) Learn 9 essential Money rules (plus a bonus) for effectively managing and growing wealth, from investment strategies to budgeting principles.
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Perfect foresight won't guarantee financial success. A solid, adaptable financial plan is key to navigating market uncertainties and achieving goals.
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Learn about the impact of recency bias, economic misconceptions, and the true sources of happiness through an analysis of Donald Trump's rhetoric and historical economic data.
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Learn how health insurance companies in Dubai manage pre-existing conditions and what it means for your coverage or business plans.
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Learn how psychological traps can affect your decisions and how to make more rational investment choices.
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Why measuring progress in investing is a foundation for achieving better long-term outcomes.
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Should you invest in gold? Discover Warren Buffett's perspective on gold's long-term returns compared to stocks and why it might not be the best store of wealth.
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How much do you really know about investing and financial planning? And, is it enough to for you to manage your finances alone? Read this.
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Learn why timing your retirement withdrawals is crucial and how to manage sequence risk, ensuring your financial stability through market ups and downs.
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Avoid costly corporate health insurance mistakes in Dubai. Learn the common pitfalls and how to choose the best plan for your business and employees.
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Explore the potential impacts of Donald Trump's second term on financial markets, with insights into his promises, team, and governing style.
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The psychology of financial guilt and how it quietly shapes spending, saving, and giving behaviour.
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Learn how cognitive biases shape your decisions and discover strategies to think smarter, avoid costly mistakes, and enhance decision-making skills.
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Stay calm and confident in 2025: Discover strategies to navigate turbulent times effectively.
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Learn how disciplined investing and embracing volatility can lead to long-term financial success despite short-term market fluctuations and corrections.
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Discover the surprising truth about gold as an investment - is it as stable and lucrative as you think?
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Discover how to choose the right group health insurance in the UAE, focusing on employee well-being, cost management, and strategic wellness programmes for long-term benefits.
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The real trade-offs people make when chasing wealth — and whether the sacrifices are worth it.
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Deciding between lump sum and gradual investing? Learn which is the better choice, backed by historical evidence and market trends.
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Compare your investment returns and learn why balanced portfolios often outperform all-stock portfolios.
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Discover the powerful, often overlooked secret to wealth building that can lead to genuine financial freedom over time.
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Balancing present-day spending with long-term financial security without sacrificing enjoyment.
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Explore the hidden costs of property ownership versus stock market investments, highlighting the real expenses, effort, and opportunity costs involved in both.
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Discover the hidden power of 'boring' investing. Learn why systematic, evidence-based strategies quietly build sustainable wealth and bring peace of mind.
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13 essential financial principles every parent should teach their children to build lasting wealth and financial resilience.
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The three core traits that separate successful long-term investors from the rest.
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Stay calm, remain invested, and focus on the long-term. Learn how staying the course has proven beneficial over the past decade.
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Private banking in Dubai: Our independent reviews look at their suitability for international professionals and include our own expert verdict.
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Discover six strategies wealthy individuals use to grow and preserve their wealth for future generations.
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Learn how one woman was deceived by an investment con artist, the six red flags she missed, and how you can protect yourself from similar scams.
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Why financial discipline is the single most important foundation for building lasting wealth.
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Risk is inevitable in every aspect of life and investing; understanding and managing it is key to achieving potential rewards.
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Investing is simple, but not easy. Learn how to navigate the complexities of your investment strategy with discipline and sound advice.
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Learn how probability is used in decision making, from probability in statistics to business, finance, and trading applications. Understand market probability with real examples.
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How inherited money beliefs shape — and sometimes sabotage — the financial choices we make.
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Wealthy expats in the UAE: Discover the financial secrets of the wealthy how to avoid common traps that hinder wealth accumulation.
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Discover why a simple, diversified portfolio is the key to long-term financial success in investing, despite the allure of 'shiny' opportunities.
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Explore your relationship with money and how it impacts your financial decisions and financial health.
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Cost of living in Dubai for senior international professionals. Are you factoring these 3 costs into your financial plan? Updated for 2024.
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Why meaningful spending — not just budgeting — is the real key to financial contentment.
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Discover the impact of bad investor behaviour and how to combat market volatility with a diversified portfolio.
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Learn how to navigate life's constant changes by embracing resilience, coping strategies, and managing expectations.
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How progressive health policies help law firms protect their people and retain top talent.
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Discover why pursuing 'more money' should not be your goal. Learn how to shift your focus towards embracing 'enough' for a fulfilling and independent future.
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The Trump-Biden battle begins: Discover how markets may react to the US election.
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The research-backed limits of wealth as a driver of wellbeing and what actually matters more.
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Learn how to navigate the complex world of investing by asking the right questions and focusing on long-term financial goals.
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Explore how elections worldwide impact the stock market and why trying to predict outcomes may be futile.
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Discover the surprising truth: parental responsibilities can lead to better financial habits and planning for the future.
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Why simplicity — not complexity — is the hallmark of a truly effective financial plan.
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Discover the hidden investment activities on your portfolio and the importance of a systematic approach to achieve long-term financial success.
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Learn how to give your finances a health check with expert advice on stopping financial bleeding, stabilising your finances, and building long-term wealth.
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Andrew Hallam, author of Millionaire Teacher, shares why all-time highs don't scare him when it comes to investing, as well as his strategy for success.
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Why diversification is key to avoiding FOMO and regret in investing, and how a well-diversified portfolio can optimise long-term returns.
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Why resisting short-term impulses is the defining skill that separates successful investors.
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Discover why diversification is key to avoiding FOMO and regret in investing, and how a well-diversified portfolio can optimise long-term returns.
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Exploring the adoption curve for telemedicine and what's driving or slowing uptake among UAE residents.
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Understand market volatility and embrace the fluctuations as a long-term investor. Learn how to navigate market declines and stay focused on your financial goals.
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Learn why starting your investment journey now is crucial. Waiting could cost you thousands. Dive into the data with Andrew Hallam.
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Discover how your core financial beliefs shape your thoughts and actions in life. PLUS, find out your own money personality in two minutes.
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Reframing the purpose of money as a means to a fulfilling life rather than an end in itself.
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Learn about the hidden investment mistakes that could be costing you millions, without you even realising it.
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Learn about the importance of managing investment risk and staying in the game financially, and in life.
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Discover why fear holds you back from investing and learn practical ways to overcome it. Take control of your financial future and live with fewer regrets.
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Andrew Hallam tells the inspiring story of a rich retiree living on $14,000 a year, sharing valuable insights on happiness, wealth, and living well without excessive materialism.
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A practical framework for building genuine financial independence, step by step.
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We know winning in life’s journey isn’t about ‘products’. And 'managing your money' is only the tip of the iceberg.
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Discover why comparing your investment results to others can be misleading and how a diversified portfolio of index funds can outperform most hedge fund managers...
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Feeling unmotivated? Discover the reasons and learn how to tap into your existing motivation to make positive changes in your life.
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Actionable steps for setting meaningful financial targets and following through on them.
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Why HR leaders must look beyond cost when selecting employee health cover — and what to consider instead.
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Take control of your financial situation with these 7 powerful financial levers.
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Discover this European paradise for retirees and digital nomads. With stunning landscapes, low living costs, enticing tax schemes, and affordable healthcare, it's a haven for the rich and budget-conscious...
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Don't let another year slip away without reaching your full potential. Demand more from yourself and unlock your flourishing future.
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Examining whether wealth is truly the foundation of a good life or if other factors matter more.
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Discover the four key factors that contribute to a well-lived life, and which of these factors money can impact.
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Discover the impact of currency hedging on investor returns and portfolio volatility, and whether it makes a difference for global stocks and bonds.
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Discover how Nobel prize-winner David Booth helped revolutionise investing through indexing and systematic investing.
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Discover why so many investors are drawn to complexity when simplicity is often the better choice.
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Discover what to do with free or discounted company shares and the risks and benefits of keeping or selling them.
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How staying composed and avoiding reactive decisions is central to achieving long-term financial success.
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Dispelling the myth that intergenerational wealth transfers fail. Learn how a positive and purposeful approach can lead to successful outcomes.
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Explore the fears and anxieties that plague the very wealthy, and learn how loss aversion and money beliefs shape their mindset.
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Discover the hidden truth about structured products and why they may not be the best choice for long-term investors.
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Discover why this place is a beloved retirement destination. From stunning landscapes to its affordable cost of living and excellent healthcare.
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Learn what returns you can realistically expect from the stock market for your retirement planning.
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Discover why telling your children to invest may hinder them. Learn a better strategy that allows them to make smarter financial decisions.
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Practical strategies for putting savings and investments to work rather than letting them sit idle.
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What's the difference between a SIPP and a QROPS? And are you making the right decision to transfer your executive pension?
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Thinking about retirement and portfolio withdrawals? Discover how Roberto and Gwen challenged the conventional 4% rule and embraced Guyton and Klinger's flexible approach.
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Why the UAE's medical insurance market needs stronger mechanisms to control escalating premiums.
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Discover the superpower to creating secure and easy-to-remember passwords that will protect you from hackers.
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Two high-earning lawyers have a combined salary of $500,000, but why is it still not enough? We share our thoughts on this couple's spending.
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Discover why this is Europe's top retirement destination. With its beautiful beaches, friendly locals, and affordable cost of living, it's no wonder retirees are flocking to this charming country.
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The quiet danger of upgrading your lifestyle as income grows — and how it erodes long-term wealth.
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Find out how starting investing early can lead to significant wealth accumulation.
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Discover the surprising truth about gold as an investment - is it as stable and lucrative as you think?
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Dimensional and Vanguard: Why a chartered financial planner will make either choice more successful for successful families living overseas.
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Discover how Vanguard's research proves advisers can add value to investors' bottom lines through these five points...
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Learn from the wisdom of Charlie Munger and improve your investment strategy with these ten timeless principles.
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Should you pay off your mortgage early or boost your pension? Explore the pros and cons, considering interest rates, investment growth, and your age.
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Whether UAE residents face higher out-of-pocket medical costs as insurers look to manage rising claims.
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Discover the perfect investment allocation to suit your personality and financial goals, and learn why there's no one-size-fits-all approach to investing.
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Explore the pros and cons of owning a rental property vs. investing in the stock market. Discover why property is a popular investment and the psychological benefits it offers.
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How attitude and psychological preparedness shape retirement satisfaction as much as financial readiness.
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Is investing in the S&P 500 a good idea? Discover the past performance, active management, and the benefits of diversification in this insightful blog post.
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Discover why some investors actually want their portfolios to drop in value and how these individuals take advantage of market downturns...
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Learn how to plan for the future when nothing is certain and discover the importance of resilience and non-financial ways to build strength.
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Achieve financial well-being and secure your family's future with these 25 actions for successful families living overseas.
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Your money personality is driving your financial decisions. Uncover the beliefs that shape your financial choices and learn how to improve.
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Understanding the psychological barriers that stop people enjoying their money and how to move past them.
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Discover the significance of the Magnificent Seven stocks in the Nasdaq 100 and what this means for your portfolio.
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Discover how much money you need for a rich retirement in different cities around the world.
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Discover the truth about investing in gold. Is it really a safe haven, a good hedge against inflation and a good addition to your portfolio?
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Find out how you can retire early and live a fulfilling live, just like this couple did. All it takes is careful planning and tough choices.
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Discover how you can enjoy a comfortable retirement without the constant worry of depleting your savings.
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Discover the importance of good financial advice and, perhaps more importantly, what constitutes bad financial advice (with 3 areas to watch out for).
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How drawing on past financial experiences — good and bad — can sharpen future money decisions.
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Discover why the 60/40 portfolio is not dead and why including bonds in your investment strategy is crucial.
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Lower birthrates coupled with longer lifespans are going to make an increasing retirement age inevitable...
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Time-poor people often do little or no research before meeting a financial adviser. The result is trusting your gut instinct. Here's why this is a bad idea...
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If Uncle Arthur had a diversified portfolio of index funds, he'd have thrashed the investment performance of almost everyone you know. Here's how.
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How do you approach the rent vs. buy decision? Here's my simple calculation to help.
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On an equal risk-adjusted basis, private equity and hedge funds don’t beat the long-term performance of a diversified portfolio of index funds...
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Holding an offshore savings plan? Here's what it actually costs, where it came from, and how to find out if a better option now exists.
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Long term, a stock’s price increase is directly related to the rise in that company’s intrinsic value. The more money that company gives away in dividends, the less potential its share price has to grow...
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The link between daily discipline and habits and the financial behaviours that build long-term wealth.
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Research suggests that when we commit to random acts of kindness, it improves our strength, our life satisfaction and our health...
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Investment philosophy is a really big subject. So we’ve distilled the key points of our own investment philosophy into 10 key things to remember.
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Rich and wealthy may seem like similar words, but they hold entirely different meanings that can play a crucial role in shaping your financial destiny.
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If every penny in the markets were invested in index funds, we would have a broken market...
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Why embracing uncertainty and humility — rather than overconfidence — leads to better investment outcomes.
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What rising group medical claims mean for UAE businesses and how to get ahead of escalating costs.
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The deadline is fast approaching for UK expats to plug any gaps in their UK National Insurance contributions - here's what you need to do.
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Periods When to Make Money chart explained using the Benner cycle chart and Samuel Benner chart, including periods when to make money PDF and Google Benner cycle chart insights.
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Learn the secrets to building and preserving generational wealth while avoiding common pitfalls that can lead to its demise.
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People assume they can see the future. Nobody can, of course. Regardless of what happens, flexibility is key. Use the 4 percent rule as a base, and operate from there.
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Exploring the relationship between financial security and happiness — and why each depends on the other.
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From the weather to the perks, learn why this place might just be the perfect spot to settle down and enjoy your golden years.
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Backtested studies suggest that if a retiree withdraws 4 percent of their portfolio’s value during their first year of retirement, and increases the withdrawals each year to reflect the rising cost of living, the money should last at least 30 years, if it’s invested in a diversified portfolio of index funds.
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Silicon Valley Bank (SVB) was thriving. Credit losses were fairly low and it enjoyed a tripling of deposits between 2019 and 2021. So, what happened?
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Conventional retirement might be over-rated. I’m not suggesting you die at your desk. But research suggests a flexible view of retirement might beat retiring early.
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Discover the Japanese way of living through 7 Japanese principles of life, including kaizen and ikigai. Explore Japanese philosophy, rules, and timeless life principles
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Explore 10 key questions every long-term investor should ask in 2024. Learn how to assess mutual fund performance and refine investment strategies for success.
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How UAE businesses can structure group insurance to deliver genuine value rather than just compliance.
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Calling all British expats moving home. Don't get caught out by tax misconceptions.
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How dramatically longer lifespans should reshape the way people approach retirement and long-term investing.
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Looking for a magic formula for successful investing? This is the closest you'll get.
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Not experiencing failure or criticism can impact even the most gifted kids. When kids don’t face adversity, can they overcome life’s challenges as adults?
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This mental model involves trying to estimate, using maths and logic, the likelihood of an outcome. Including 3 examples from the world of investing.
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If you’re researching your pension options, this comparison of QROPS, QNUPS and SIPPs is for you. updated for 2023.
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Stop the taxman stealing your children's future wealth with these 7 simple & effective ways to avoid UK inheritance tax. Updated for 2023.
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Discover the essence of Hanlon's razor and how to apply it in your daily life. Learn practical tips on how to make better, more rational decisions.
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Luxury retirement rarely comes cheap. If you’re looking for a piece of paradise, this may be one of the world’s best countries.
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Learn all about UK property tax, including SDLT and stamp duty, in this comprehensive expat guide. Get insights on how property taxes work for expats in 2024.
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Actively managed funds that perform well during one time period usually lose their winning way. That’s why we should build and maintain a diversified portfolio of index funds or ETFs...
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How thinking through the consequences of consequences leads to smarter, less reactive financial decisions.
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Occam’s razor is one of the most misunderstood 'mental models'. But it's arguably one of the most useful. If you need a way to solve problems more quickly and efficiently... here’s how to use it.
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Why treating employee health insurance as a strategic investment — not an overhead — changes business outcomes.
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Many are questioning if the 60/40 portfolio is still relevant, especially after last year. Here's what I think.
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First-order thinking is quick and easy. “I’m hungry, I’m going to eat cake”. Second-order thinking is more thoughtful. It makes you consider the impact.
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Bonds fell in 2022. But how far your bond funds fell depended on the risk you took… whether you realised that or not.
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First-order thinking is quick. “I’m hungry, I’m going to eat cake”. Second-order thinking is more thoughtful. It makes you consider the impact.
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We can't see into the future, but understanding the nature of each recession helps us better prepare for the next.
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Knowing what you don’t know, helps you understand what to avoid and improves decision-making and outcomes...
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What is first-principles thinking, used by Elon Musk, and what can it do for you?
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The parable of the mexican fisherman is a chance to reflect on the life you're pursuing.
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In the Army, before GPS, I spent A LOT of time learning ways to make sure we were in the right place at the right time. But a map of reality is not reality.
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You could have a smaller retirement portfolio than your friends, retire earlier, and live far more luxuriously than almost everyone you know...
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Anyone who jumped into gold after giving up on a diversified portfolio of stocks and bonds missed out on a lot of money...
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Your odds of success will always be better with stocks and properties. Here's the truth behind Forex trading...
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It’s the most wonderful time of the year. Wall Street’s top strategists share where they see the stock market heading. And it's sceptical about 2023.
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Fear, greed, under confidence and overconfidence impact most investors. The trick is to stay the course with a portfolio of low-cost index funds and then stay out of your own way.
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I've built a business around being boring, based on decades of Nobel prize-winning research. Because quite frankly, boring is better for investors.
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Lump-sum investments don’t always win. But, investing a lump sum, as soon as you have it, usually beats dollar cost averaging...
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CAPE, or Cyclically Adjusted Price to Earnings ratio, may be the world's best kept secret on future stock market performance.
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It's easy to get distracted by the financial media. Here are 5 fundamental things about the market everyone needs to remember.
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If you don't own a globally diversified portfolio right now, you're skating on thin ice for when the market recovery comes.
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The beauty of the market lies in the fact that nobody knows what's around the corner. Not even the greatest minds on Wall Street.
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Investing time into high-ROI habits or daily rituals will make you both money and happiness. The goal is to focus on habits or daily rituals that work for you.
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Most wealthy people spend less than you think. If you want to build wealth, it might be best to model the spending habits of those who are truly rich.
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As global markets plunge, what action can you take to save your portfolio?
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So far in 2022, diversified portfolios of stocks and bonds haven’t fallen anything close to the nightmarish plunges that followed 1929, 1973, 2000 or 2008.
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One of the most common denominators in the story of every ‘successful’ person out there: compounding.
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Some investment schemes, sold prolifically in the Middle East, are like kayaks with multiple hidden holes. Could you own one of them?
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It's true, this go-to portfolio strategy (has suffered one of its worst years on record. But I'm still backing it.
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If more money continued to boost life satisfaction, the wealthiest people you know would be the happiest. But we know that isn’t true...
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Single-stock ETFs have arrived. Find out what they are and whether they pose an opportunity for the long-term investor.
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Most investors solely chase growth stocks. Warren Buffett, the world's greatest investors, had a different strategy...
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Right now, it's easy to be labelled "bearish". But for the long term investor, the term has no meaning. Find out why.
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Savvy stock buyers know that it takes more than rising business profits to make a stock keep rising. Instead, there are three main influences...
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One family generation builds the wealth. The next generation maintains it. The third generation destroys it. But how can this be avoided?
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Warren Buffett’s rule of thumb: Anyone who will be adding money to the markets for at least the next five years should prefer to see stocks fall, not rise.
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History doesn’t repeat itself, but it rhymes. In 2020, share prices in several technology stocks went through the roof. Have we been here before?
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Having a investment philosophy is vital to keeping you disciplined. Here's mine.
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Successful investing ultimately boils down to simple, common sense ideas. Simple however, does not mean easy.
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Understanding our cognitive biases is fundamental to lowering risk and improving investment returns over time...
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According to Andrew Hallam, the world’s best stock market tip is the one that helps the greatest number of people over the longest length of time...
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Every investment strategy has pros and cons. But I do believe a "good" strategy you can stick with, is much better than a "great" strategy you can’t.
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Chasing individual names in hopes of catching a meme-stock phenomenon may be tempting, but the data are clear that it’s a big gamble.
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The first 6 months of 2022 were pretty interesting for financial markets. It was one of the worst 6 month periods we've ever seen for stocks and bonds.
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If you have a Shell pension (Shell Overseas Contributory Pension Fund/SOCPF) and are nearing retirement, you’re likely considering how best to transfer it.
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This bear market differs from others in recent history. So what should you consider if you have extra cash to invest?
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We are officially in a bear market. Here are five lessons I think investors should remember during this time.
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This week, over a trillion dollars has been lost in crypto-currencies. Why, after every major blunder, do we look back and say, how could we have been so blind?
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Success in investing often has more to do with the time you have in the market than anything else. Here's how I will ensure my children start early...
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Crypto, gold, oil, value and growth investing. What does the data tell investors about how to build their long-term investment strategy?
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A review of Zurich Vista Savings Plan covering how it works, who it suits, the key risks, and whether the structure is worth the cost.
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In the world we live today, there is so much negative news through social media and television. What does that do to your mind and thinking?
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This week, I'm answering 5 questions about the current state of the markets.
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Lagging performance by active fund managers isn't a new story. Neither is concern over fees charged by financial professionals. But is the solution to DIY?
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Inversion is the secret to solving the most difficult problems in life, like money, and a way of thinking about what we want by considering it in reverse...
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How should affluent investors understand and deal with risk? And how do DIY investors perform? Discover more in this blog.
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Social media has taken this idea of ‘wanting to look good’ to a different level. Our happiness and satisfaction now come from how many followers we have...
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Although goals vary greatly from person to person, they can be organised within a formal investing framework. Are your goals and capital aligned?
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We help clients successfully navigate many life transitions. This blog looks at the hardest of them all, how to safeguard your family’s financial future.
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What are the benefits of offshore banking for expats and international professionals? Discover the advantages of offshore banking in this guide.
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Expat guide to UK residency rules and their impact on senior international professionals.
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Anyone who has ever shared property with other family members will tell you, it takes work. Should you pass on your family home, or sell?
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This week, a reader asked me, "how can I time the market to maximise growth?" Find out why this the LAST thing investors should try, and how attempting it could be a costly mistake.
Read more![[Updated for 2022] The biggest risks of the 4% retirement rule](https://www.aesinternational.com/hubfs/Biggest%20risk%20of%204%25%20rule.jpg)
You’ve probably heard of the ‘4 percent rule’, used to determine how much a retiree should withdraw from a retirement account each year. But how does it stand up when tested against market conditions and inflation?
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Over the years, we've seen many clients make mistakes when building their wealth. However, these mistakes seldom occur with the savvy affluent. Why?
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Of all the behavioural biases that hamper our performance as investors, arguably the most pervasive and the most destructive is overconfidence.
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Each decision we make has consequences with it, that are both good and bad. Getting the most out of life means using your time and money wisely...
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Find out what 4 platforms AES International think are the best for senior international professionals.
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People often behave as though random events can be controlled. But we can't possibly control the many, complex factors that influence outcomes.
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Is it worth having a financial plan? If you have significant net worth and aren’t sure if a financial/cash flow plan is worth the effort, keep reading.
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In his latest blog, David shares what how to retire wealthy and leave a £1.7 million legacy for your children.
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Incentives drive nearly everything. Nothing I’ve seen in the financial services 'industry' has ever contradicted it.
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For 75 years Harvard have conducted a study on 725 men to determine what makes us happy. Find out the results!
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If we don't want to lose our cool, we need to get crystal clear on what we want out of life. On the things that matter to us.
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This week, read about the rewards from substituting the fleeting pleasure of instant enjoyment with the deep pleasure of earned enjoyment.
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This week, read about the book Warren Buffet read aged 10, which changed his life forever.
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This is the true story of one lottery-winning couple who were losing sight of their ideal future, because they were lacking one thing...
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In this blog, I’m going to show you how to shave £175,000 off your estate’s potential inheritance tax (IHT) bill.
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In his latest blog, David Norton shares the 5 most common offshore investment bonds for international professionals.
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In this blog, you'll learn the problem with delaying your investment over time.
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Uninformed risk is often overlooked by HNW individuals and it may take years to see the consequences of these small losses. Learn how inflation could be a risk you are taking on unknowingly in this blog.
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Understand how offshore investment bonds work, their potential tax treatment, costs, risks and when they may be suitable for internationally mobile investors.
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High-net-worth investors often fall victim to home bias at the expense of global diversification. Be inspired to make the right investment decisions by reading this blog.
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Many international professionals create their wealth while working offshore - but what happens to their pension while they are overseas?
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As I explained in previous articles, most of the companies in Wood’s funds aren’t making business profits... Find out why in this post from Andrew Hallam.
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Fine wine, expensive artwork and classic cars are often called ‘emotional assets’. Are they good investments? Or should the question be a little more personal?
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Arguably one of the most controversial topics in investing is gold. Truth be told – it’s not a good investment. And that’s not just my opinion – there’s evidence to prove it.
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Property obsession is a real thing (I’m a Brit so trust me, I know). But before making such a huge (and expensive) financial commitment – you’ve GOT to know these key facts…
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Read this blog to understand why evidence in peer-reviewed academic literature strongly favours tilting portfolios towards small-cap and value stocks.
Read more![[CASE STUDY] How one client earned a 60% investment return in a single year](https://www.aesinternational.com/hubfs/2021%20blog%20headers%20%282%29-2.png)
Read this client case study to understand why we always recommend sticking to your long-term financial plan and how we helped this client earn $1.2million in returns during the pandemic.
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Discover the concept of Financial Life Management and how it goes beyond traditional wealth management. Learn how it can help align your finances with the life you truly want.
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Recent news has everyone fixated on what's happening in the markets. For some, it's the most excitement they've had. But these people are doing it wrong...
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Thank you to Dimensional Fund Advisors... For showing us the many examples of the randomness of markets served up this year.
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This blog talks about the value of money, the role it plays in creating happiness and security, and how to decide what ‘enough’ is for you.
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What’s the most important thing when it comes to distributing wealth to your family?
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George Gilder, American investor, author, economist, and co-founder of the Discovery Institute, was God. At least, that’s what we thought.
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The legendary Jack Bogle passed away last year but his investment wisdom remains. Here are 11 of his greatest teachings (in my opinion).
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If you want to understand the inner workings of financial services, here are 9 of my favourite reads. Each book changed my life and will change yours too.
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Saving £10 million sounds like an ambitious goal. But don’t let that stop you from trying. The retirement crisis is real – we owe it to ourselves to save as much as we possibly can, to avoid being part of the problem.
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I receive tons of messages from senior professionals every day – wanting a trusted second opinion on their poor investment returns.
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The lack of time, work pressures, lifestyle choices, and more, mean AES typically sees many mistakes made by international lawyer clients. Here's why.
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Discover why you may be finding it hard to save money as an expat living abroad, and what exactly you can do about it to kick start your wealthy future.
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Many expats in the Middle East have lost their savings due to poor financial advice. Here's a shocking story of how our client suffered a massive loss...
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Using your nil rate bands of £325,000 during your lifetime & annual gifting allowance of £6,000 can save your loved ones a lot from inheritance tax
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Described by Nobel laureate Harry Markowitz as the only free lunch in investing, diversification is the equivalent of an all-weather wardrobe. Here's why diversification of your investments is important.
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Given our independent structure, we are free to invest our clients’ money – and our own – in whatever funds we believe to be the best. Here's why we believe Dimensional Funds are just that...
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This latest blog is from Robin Powell and tackles the idea of risk - and how defining it depends on your individual circumstances as an investor.
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Want to know the things to think about when managing funds? AES International have some information on whether to move passively or actively when reacting to market conditions.
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Sometimes, we use ‘human nature’ as an excuse for bad decisions. For example, it’s in our ‘nature’ to prefer face-to-face contact. But does it really make people (more specifically, financial advisers) more trustworthy?
Read more![[Case study] This international executive saved £161k in tax by doing ONE thing…](https://www.aesinternational.com/hubfs/%5BCase%20study%5D%20This%20international%20executive%20saved%20%C2%A3161k%20in%20tax%20by%20doing%20ONE%20thing....jpg)
Here's how one client saved enough money to enjoy an additional two years of retirement.
Read more![The financial media isn't your friend [plus 2 ways it impacts returns]](https://www.aesinternational.com/hubfs/2021%20blog%20headers-Mar-09-2021-11-59-54-35-AM.webp)
Remember, the interests of journalists and the publications they work for, are not necessarily aligned with your own. Here are two ways the media has a negative impact on your investment returns.
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It's unlikely you'd have thought markets would be up 25% given so much uncertainty since 2020. But that's what happened... Focus on the big picture.
Read more![3 easy lessons that will transform your children's money habits today [plus 3 lessons for parents included]](https://www.aesinternational.com/hubfs/Blog%20headers%202020-Oct-27-2020-06-46-28-09-AM.png)
The earlier your children start saving, the better. Here's are 3 easy and life-changing ways to teach your children about money.
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Who are Dimensional Fund Advisors? And why, as an investor, you may not have heard of them...
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Structured products are often sold to investors with promises of guaranteed growth and protection. But they're not all they're cracked up to be...
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The world of investing is littered with pitfalls. Here AES International highlights five ways to avoid investment mistakes.
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Have you heard of the 50/30/20 rule? It's a great way to understand how you prioritise your financial obligations. Want to know more?
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His adviser is such a good friend, that when they meet up to talk through Neil’s finances they do it in a bar; Neil never pays for a round.
Read more![How to avoid the silent pension killer [plus 2 other ways to ensure you don't outlive your money]](https://www.aesinternational.com/hubfs/Blog%20header_silent%20pension%20killer.jpg)
Have you heard of the silent pension killer? Retirement and especially expat retirement can be ruined by overlooking it.
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What can you control as an investor? Certainly not the markets. But 3 things are within your power. Read more and avoid common investing mistakes.
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There’s a lot of uncertainty in the world lately. How does it affect you as investor? What should you be doing?
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Discover the 7 most common financial mistakes expats make in 2024 and learn how to avoid them. From tax planning to pensions and offshore banking, ensure your financial security abroad.
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Too many investors make bad decisions. So here's a list of investing’s (scientifically proven) best practices. 10 truths to live by.
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Natural disasters, conflicts and questionable presidents - events that shape our countries. But they should have little to no impact on your investments...
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Explore the essentials of international investment platforms for expats, including how to choose the right one for your unique financial situation.
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This video has been viewed by over 8 million people and is only 2.44 minutes long. Some, like me, find it inspirational. Some depressing. What's all the fuss about?
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I recently overhead a client ask: “Am I going to be okay?”. Let’s face it. We all have anxiety around money. So how can you be sure you and your family will be okay? It comes down to three things.
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Price is king. The performance of US mutual funds illustrates this. Relying on a manager’s ability to outguess market prices is futile. Here’s the evidence…
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Let's be honest, we're all thinking this. When it comes to financial planning, it's one of the most important questions to ask. Here's my answer.
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Are you an active investor? All the evidence tells us that this traditional approach is akin to gambling, yet many still choose to ignore the science. Find out why...
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I know we talk a lot about Dimensional funds. It's not because of a hidden agenda. We simply believe in their potential to help you reach your goals.
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Are you checking your investment performance daily? The evidence shows it’s not just a waste of time but unsuccessful too.
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Investors, take 3 minutes out of your day to read this. It’s important to know what a stock market crash means for you & more importantly how to respond.
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I love answering your questions. A few days ago, I was asked why @Dimensional Fund Advisors (DFA) only distribute their funds through selected advisers. A short answer simply wouldn’t suffice – so here’s a blog detailing how everyone benefits from DFA’s genius business model, including you.
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Volatility – a surfer’s paradise or a sailor’s trade? For thrill-seekers, it’s the former. For patient, long-term investors – the latter. Here’s why.
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For as long as I can remember, I always wanted to help people. A few years into financial services and I knew I was never going to achieve it. Here’s how I turned that around.
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In this blog, I’ll chat you through the yin-yang effect of compounding and give an insider’s look into how one investor lost more than HALF his investment due to hidden costs.
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I love a good podcast. Especially one on my favourite topic – financial planners. Here’s one on the 7 benefits a good planner brings. You may be surprised by some on the list…
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Retirement is truly one of the greatest milestones in anyone’s life – so it’s vital we get it right. This is especially important since we’re all living longer than ever before.
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Jack Bogle paved the way for index investing. He was passionate about bringing investors better returns. There are a trillion reasons for us to thank him – here are a few.
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Following on from last week’s blog discussing the 4 types of financial advisers, here’s the next step…actually choosing one with insight from financial expert, Michael Kitces.
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In financial services, identical labels, job titles and service descriptions often mean completely different things. Understanding the real differences is critical to what you get.
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As humans, we’re all irrational. We make decisions based on emotions and mental errors. Breaking the habit starts with awareness. Here are 5 of the most common mental errors to know.
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I still find great value in Twitter as a platform. I enjoy the instant updates, especially on finance. I’ve rounded up my 7 favourite accounts. Want to see?
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While I sit behind my work desk, I can’t help but envy those holidaymakers on extended breaks. How did they save and how do they spend their days?
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Warren Buffett swears by it and Einsten apparently did too. I’m talking about compounding and its exponential power on investing. Want to hear more?
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What are the key differences between active and passive investing? And how do Dimensional Fund Advisors offer an alternative? Find out here.
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A good investment experience comes with controlling what you can and accepting what you can’t. I touched on this last week. Now here’s a more in-depth look…
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As humans, we spend a lot of time worrying – especially about our money and finances. But isn’t this irrational and counterproductive?
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I'm often asked for a list of recommended investment books so here it is. You won't find the more popular titles on this list, but you will find the most underrated reads in my opinion.
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Ingvar Kamprad, founder of IKEA, lead a remarkable life. From the age of 5, he was a businessman with an eye for controlling costs. So what can investors learn from him?
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The Forbes Billionaires list reveals an interesting trend year after year. Comparing lists, it’s not hard to notice the hundreds of names that drop off annually. What’s happening?
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FIRE (Financial Independence and Retiring Early) is a life philosophy. It begs the question: “What would I do with my life if I didn’t work for money?”. If you are hoping to retire early, read this post and find out how.
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I recently found a great study focussed on the habits of the rich. It’s interesting to see the patterns across high earners and their behaviours. So what do they all have in common?
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We all know about the most popular cryptocurrency, Bitcoin. There’s Ethereum and Ripple too. But what do you know about them? And the burning question – should you invest?
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What did we learn in 10 years since the financial crisis hit? With the next one looming, it's time to reflect and avoid making the mistakes of the past.
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Do higher portfolio gains make you feel richer? More inclined to spend? There may be a reason for that – and, truth is, you’re not alone.
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Are we more aware of spending when it’s with physical money? Academics seem to think so. And I certainly do after downloading Apple Pay and discovering how easy it is to part with my money. Here’s how cashless payments affect our spending habits …
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Most of us are awake around 17 hours a day. That’s 1000 minutes. Tim Urban of the Wait But Why blog breaks down these minutes into 100 10-minute blocks. It’s an interesting perspective and one that raises the question: how would you use your 100 blocks each day?
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The layers of the brain affect all we do – even our financial behaviour. Here are 6 interesting ways the layers of the brain manifest in everyday life and how they affect your finances.
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Optimism, complacency and pessimism – three risk mindsets that affect investment behaviour. Discover the patterns of each one – you may be surprised to find out which mindset describes you.
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Here are 11 reasons why simple beats complex in the investment world, with a little help from Ben Carlson.
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What is the biggest reason why you slip into motion rather than taking action? A recent blog by James Clear offers some insights into this and how to overcome it.
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What follows is not an exhaustive list but are the books which founder of AES International, Sam Instone, goes back to again and again. Which books inspire you?
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Nir Kaissar, writer for Bloomberg, explains why taking a data-driven approach to digesting the news will make you a better investor.
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Breaking our lives down into numbers can be scary. But often it's necessary to encourage us to develop new habits to make our lives better. In this post, discover how I plan to make the most of the mornings I have left...
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A while back I told the world that my money is in Dimensional funds going forwards. This sparked many questions, which I hope to answer in this blog. Is this type of investment strategy simply the evolution of index funds?
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They say knowledge is power. Discover why I am learning everything I can about learning and why people generally are going about learning in the wrong ways.
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You’re probably not a good investor…These aren’t my words. They’re the numerical odds. Find out what the best investment funds are, backed up by evidence, not opinion.
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Watch our 3-minute video on diversification and get advice from a Nobel Laureate. According to him, there are two types of investor. The ill-advised and the well-advised. Which are you?
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Evidence shows that only a small fraction of actively managed funds succeed in beating the market with any degree of consistency. This is partly to do with something called survivorship bias, as Craig Lazzara of S&P Dow Jones Indices explains.
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According to Nobel-prize winning research, many of us are guilty of making irrational decisions because of or fear of regret. Find out how this could affect your chances of successful investing, and how famous theologian Reinhold Niebuhr offers the ideal investment advice.
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Your adviser recommended a Discretionary Fund Manager. Here's what the evidence says about performance, what you're really paying, and when one makes sense.
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Why settle for average when you can be so much more - in all areas of your life. In this life-changing article discover the one small change you need to make to enhance success. It's simple, and yet it will transform your achievements.
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What can a professional poker player teach us about managing investment risk and achieving the best investment returns? Well, when the player is none other than The Duchess of Poker, Annie Duke - a former cognitive scientist - the answer is an awful lot! Her insight is captured in this article.
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Can a financial adviser help you achieve financial peace of mind? In the first video of a new series, called The Value of Advice, discover 3 sample scenarios when good financial advice can add real, literal value to your portfolio (up to 3% on your net annual returns).
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Do low cost index funds perform better during a bear market? Or can active managers outperform a falling market and offset their fees with high profits?
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What is the best investment strategy in UAE for expats. We explain this by sharing the tale of 2 different expat investors in the UAE.
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Andrew Hallam famously built his million-dollar fortune from a school teacher’s salary. He is on his way to the Middle East to help expats understand everything they need to know about building a portfolio.
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Should I invest in bitcoin or is it too late? Learn everything you need to know to protect yourself before you begin trading bitcoin: includes a visual guide.
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The Reformed Broker - Josh Brown and his insights on investments.
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Wondering if gold is a good investment for you? AES International gives you the info you need.
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If you’re a British expat, assuming you’re no longer domiciled in the UK could be the most expensive mistake you ever make.
Read moreEvidence based investing couldn't be a simpler or more effective way to invest and grow your wealth. Here is the evidence explained with an infographic.
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Are you ready for retirement? AES International explains how to beat the myth that retirement is a long way off.
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AES International Looks into Hedge Funds and why investors still shun them.
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We look at what we can learn from Warren Buffett, Mason Hawkins and Francis Chou and how we can profit from their mistakes when it comes to investments.
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Would you be tempted to stake a small sum of money – say £300 – on something that had climbed 14,000% already? AES International tell you everything you need to know about Bitcoin.
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Discover the key to wealth and success as an investor with key insights from Tony Robbins’ ‘Unshakeable’
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Do you have a financial plan to secure your families future? without one your finances will be far less effective overall. AES International have the information you need to take steps in the right direction.
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Thinking about saving for your child's education? the sooner you start investing the better. AES International have 7 tips for how to fund their education.
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Carl Richards believes that the right knowledge can entirely transform lives and ultimately makes the world a better place. Find out more!
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British expats may be liable for UK inheritance tax; here are the IHT rules and some mitigation strategies.
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An introduction to the main asset classes: shares, bonds, cash and alternatives and how to structure your portfolio.
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Transparency in word & action is needed in international financial services: we uncover common jargon & sales techniques & give you the plain English meaning
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If you’re in your 60s and worried that investing might be too risky for your wealth, here’s how to reduce risk and still enjoy strong returns.
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Managing money in your 50s for the most profitable outcome starts with making a plan. Here are 5 steps to financial success in your 50s.
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A comprehensive explanation of portfolio rebalancing, and a how to guide to keeping your portfolio’s assets correctly balanced.
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Building a portfolio: Scott Burns’ couch potato investment approach is passive and successful. Find out how it works.
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Passive investing, or indexing, is where you replicate market performance using index funds or exchange-traded funds (ETFs) that track major indices.
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Andrew Hallam, author of The Millionaire Teacher, sat with me for an interview to talk about why it’s never too late to make a positive change.
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Prioritising financial learning is arguably key to developing a solid wealth management plan, and indeed, long-term financial wellbeing.
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Discover why expats need offshore bank accounts, the benefits they provide, and how to select the right one for your financial needs.
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John Bogle launched the Vanguard 500 Index Fund, the first index fund available to individuals, and transformed the investment landscape forever.
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There’s just one year to go until Warren Buffett wins one of the biggest bets in history. In this article I’ll explain why Warren Buffett is coming out on top.
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Active vs passive investing - which kind of investor are you?
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I believe that fee structures in financial services are kept as complicated as possible on purpose. So what should you do?
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What exactly is evidence-based investing, and how can you tell real evidence from bogus claims?
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If you’re a parent living in the UAE with your children, and you die without having a will there are some important facts you need to know.
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Does having more experience mean your fund managers are delivering better returns? This study says otherwise!
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FInancial advice fees, charges and commission - what the difference? And what do they all have in common....
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Expat pensions: If you’ve been investing money regularly in the stock market over the past 1, 3, 5, 10, 15 or more years, you’ve made a decent profit – right?
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In the financial marketplace regulation can be sketchy; there are rich pickings to be had for the ethically bankrupt, and expats are always the innocent victims
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Stock market downturns — corrections and bear markets — are relatively frequent. So how can you survive the market mayhem?
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Many investment professionals love complexity. Many firms see it as their value-add. That combined with a lack of investor education is how they make money
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Investing always comes with risk - The value of your investments can go down or up and you may get less back than you invested. Learn how to manage investment risk.
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We all want a pain-free and long retirement. Here's 3 lessons we can take from pilots...
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What are ETFs and why you should invest in them? Do they give investors the diversification of funds, and the speed and simplicity of a share?
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Internatinoal investing can be tricky. Find out the best index fund investments that everyone should own.
Read more![Common mistakes investors make [infographic]](https://www.aesinternational.com/hubfs/Blog_Images/Misc/Common%20mistakes%20investors%20make.jpg)
Infographic of the most common investment mistakes our brains make for us
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Offshore banking has acquired a rather 'illegal' reputation, but that's just one of the many myths about offshore banking. Click here to find out more
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Do you know the difference between your investment value and your surrender value? Find out how much your plan is actually worth today.
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Learn the golden rules to investing and we promise you won't go far wrong.
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Purchasing a property can be a difficult process, especially for expats - here are some hints and tips from AES International.
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Did you know that Donald Trump went bankrupt four times? Here are five famous people who went bankrupt and the lessons you can learn from them.
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Diversification is an investment portfolio necessity (unless you're Warren Buffett, perhaps) but knowing how best to diversify as an expat requires help.
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Do you want to retire at 55? Here are 8 tips to get your expat pension into shape.
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Understand the reason behind the China market crash this week, also known as 'Black Monday', and know how it affects you.
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Offshore banking is one of the best routes for saving and investing your cash and there are other advantages too. Read to find out more.
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If you have been living under a rock and don't know what's going on in Greece,then this is for you: An idiot's guide to the Greek debt crisis.
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What is positive change in international financial services? AES International's CEO Sam Instone talks about why they challenge the status quo.
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When markets fall investors always run scared, AES International explains why time in stock markets is more important than timing markets.
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Warren Buffett is arguably the world's best ever investor. What can you learn about how to make money from him?
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With the FTSE 100 hitting an all-time high yesterday, AES International looks at why this has happened and what it means...
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Data from the Bank of England show a decline in the number of mortgage approvals since June 2013, raising concerns about UK house prices.
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Award winning international financial advice from AES International - in this blog we look at the financial advice accolades we have collected in 2014.
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Taking a look at how expats can tax efficiently buy and own UK investment property in 2017, focusing on SDLT and income, capital gains and inheritance taxes.
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Buying UK Property gets cheaper after cuts to stamp duty but expats will now pay capital gains tax on property profits and non doms have higher costs
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Financial planning for a premier league goalkeeper - another real life case study from award winning financial adviser, AES International.
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A study from Pew Research Centre states that money makes people happier, with Britons and Americans among the happiest and Poles and Greeks the least.
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Financial planning for the international pop star: real life case studies from clients past and present, of AES International.
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How much money do I need ? £1 million should be enough but start financial planning early
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Deciding which country to open an offshore bank account in and what type of account you need by international financial advisor AES International.
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Financial advice in the international market is untrustworthy and consists of organised sales people selling products. Customers need to be put first.
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Mortgage rate war starts amongst the UK high street lenders with HSBC offering 0.99% mortgages as Bank of England fears the UK economy is stagnating
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Expats taking out mortgages on their UK homes will face tougher lending criteria from March 2015 under tough new affordability rules
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Active fund management and stocking picking versus passive investing debate reignites after Warren Buffet says ordinary investors should use passive
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Changes to UK tax residency rules have been introduced by the Statutory Residence Test are likely to affect wealthy British expats with ties to the UK
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Expat tax: British expats overseas face higher UK income tax bills from April 2015, following an announcement from the UK Government.
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Hundreds of wealthy expats living in Europe and the Middle East are looking to claim non-domicile status to save UK tax.
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Every investment strategy needs these 3 things to succeed in the long term
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Financial adviser AES International named as one of the top 1000 most inspiring companies in Britain by The London Stock Exchange and The Telegraph.
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How safe are offshore banks and what the benefits of banking for expats living overseas?
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Offshore bank accounts and their benefits for expats explained by AES International, award winning Best Global Offshore Banking Team of 2014
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Are you investing in classic cars, antiques, paintings or fine wine? Do these sorts of investments make financial sense? Find out in this 3 minute video.
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Find out if the self-proclaimed market gurus who speculate about the state of the market, equal a better investing experience.
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Abraham Okusanya, an Investment Analyst, explains why investors should not focus on fund managers, but rather look into the evidence.
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The balance of your portfolio changes naturally over time which is why once a year you need to readjust to restore your portfolio's original balance.
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Successful investing means accepting the price and staying in the market. Find out why.
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Just as a healthy diet means eating a range of different foods, a healthy portfolio should include many different assets.
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Keeping investment fees low is one of the most important factors in long-term portfolio performance. Part 3 of our Six Steps to Successful Investing series.
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One of the most important concepts for investors to grasp is compounding. But what is it? And why is it far more powerful than you might imagine?
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Fine wine, expensive artwork, classic cars — does collecting valuable items make sense from an investment point of view?
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Abraham Okusanya, an Investment Analyst, explains what cashflow modelling is and how it may impact financial lifetime goals, lifestyle and spending choices.
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Gerard O'Reilly from Dimensional Fund Advisors discusses the impact that evidence-based investing or academia can have on investors.
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In this interview with one leading investment expert, you'll discover some unpalatable facts about how the actively managed fund industry fools investors.
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Have you ever wondered how an index fund is created and how it is decided which stocks are included? Find out in this video.
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Humans are not very good at putting themselves into a future state. This is especially true when it comes to investors.
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Sometimes markets move and this can distract you from maintaining your investment strategy.
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Discover how peoples' fears and experience can lead them away from sensible decisions and why you might need a financial planner to challenge you.
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Discover why consistent market timing is not only impossible, it's irrelevant for any investor seeking long-term financial success.
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Professor Martin Weber, from the University of Mannheim, explains the importance of diversification and how you go about achieving it.
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Are you planning to have a property? Jason Butler, a financial author, shares his thoughts on whether it's best to rent or buy your home.
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Optimism bias is one of the most prevalent behavioural biases investors are prone to. This video explains why it's so difficult to combat.
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Carl Richards, a former adviser, explains what elements are within our control and the one notable thing that isn't when it comes to investing.
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Factor investing targets the drivers of long-term returns, principally size, value and profitability. An introduction to factor-based funds and how they work.
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Nicolas Rabener, Founder & CEO of FactorResearch, shares his thoughts on why investing in private equity may result in higher market volatility.
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Factor-based funds, also known as smart or strategic beta, are becoming increasingly popular, but what exactly are they?
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Expert research reveals that investors who are over-confident or stressed lack sound financial judgement leading to significant investment mistakes.
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Dan Lefkovitz from Morningstar explains the growth of sustainable investing, ESG and whether it impacts performance.
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Investors are manipulated into chasing past performance. The truth is, any fund manager who outperforms is likely to have done so by luck rather than judgement.
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Financial writer and podcaster, Carl Richards, explains why even financial professionals get risk and volatility confused.
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When you think of using a financial adviser, do you see this as a one-off meeting, or a long term commitment? In this video, we explain how financial planning helps you achieve the results you're looking for.
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Wade Pfau from The American College of Financial Services, explains the logic behind the '4% rule' and the importance of managing risk.
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Carl Richards, an Author and Financial Adviser, shares his thoughts on how much is enough and why you're the only one who will know that answer.
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Find out why asset allocation is a vital part of achieving your financial goals.
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Index funds are a very efficient way to invest, but some argue we may be heading for an indexing bubble.
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Tim Richards explains how availability bias can impact an investor's decision-making abilities.
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Investors today may be investing for at least 50 years. Professor Russell Napier explains why diversification is the key to long-term success.
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Do you know your equities from your bonds, or which asset class is generally regarded to be safest? Find out in this short video, as well as which 2 asset classes are the most important to focus on.
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For every investor who gets above average market returns, there's one who gets below. When it comes to investing for non-professional investors, indexing makes sense.
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Crashes and corrections have been present throughout market history — and it's when we often see investors making poor investment decisions.
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We're often told the countries to invest in are those forecast to produce the highest rates of economic growth. But is it actually true?
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Does your portfolio have exposure to mid-cap and small-cap stocks in addition to so-called mega-stocks? Find out why this is important in this video.
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Sarah Newcomb, a senior behavioural scientist at Morningstar, explains why 'present bias' is the most detrimental bias for investors.
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One of the mistakes investors commonly make is they allow their emotions to get the better of them. This video explains how mindfulness can help you become a better investor.
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Why aren't there more billionaires today, when there were so many millionaires in the 1900s?
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Behavioural expert and former financial adviser, Carl Richards, explains why investors should steer away from perfectionism.
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The media and many investors often see past performance as a significant indicator of future returns. But using past performance to determine if a fund will outperform the market rarely reaps rewards.
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There is evidence to suggest that by exposing their portfolios to specific risk factors, investors can (and do) beat the market over the long term.
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James Norton from Vanguard Asset Management explains why you may never overcome behavioural biases.
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Retirement expert Barry LaValley shares how a good financial planner can help you to match words with action and live life to the full in retirement.
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Ever wondered what successful investors have in common? The one skill they have all mastered? Watch this video and learn how to get better results.
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Finding a financial adviser: the most successful long-term relationships are built on trust. Find an adviser who puts your interests first.
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Learn why financial writer and consultant Jason Butler believes learning to control our spending should be everyone's financial priority.
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Janette Rutterford, a Professor of Finance at the Open University Business School, explains how price is king, and why trying to time the market is always a bad idea.
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The more you distance yourself from unhelpful emotions when making decisions, the better you can invest consistently and robustly for the long-term.
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Find out if you really need a financial adviser. Research has shown that a good adviser can add about 3% a year to your net investment returns.
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Find out why it is so important to talk to your spouse about money and how you can create a joint plan for your finances.
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Greg Davies, Head of Behavioural Finance at Oxford Risk, shares his thoughts on how investors can properly assess their risk capacity.
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Too much exposure to one asset class, like property, can be very risky. Professor Jens Hagendorff from Edinburgh Business School shares his thoughts on buy-to-let properties as an investment.
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Antti Ilmanen discusses what long-term market returns might look like and what to expect in the future. If we move into an era of lower investment returns, how should investors react?
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Lisa Bortolotti explains why overoptimism and overconfidence can be detrimental for investors who manage their own money.
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A financial plan involves developing a framework within which you can work out where you are now and where you want to be in the future.
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Andrew Craig, who runs Plain English Finance, highlights the importance of financial education and shares his personal finance rules to follow.
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Louise Cooper, a financial journalist, shares her thoughts on why investors should ignore the news and follow the academic research.
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There are some important lessons we can learn from past generations about investing. This 3-minute video reveals the most pertinent for investors today.
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Greg Davies, expert in behavioural finance, shares the best strategy for when markets fall and why being in control of your emotions is very important.
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AES International guide on how to find a financial adviser.
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Barry LaValley, an author and financial educator, highlights the key things to consider when preparing for retirement and why it's so important to start the process sooner rather than later.
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One of the big problems investors face is recency bias. Investors look at the recent past and project that indefinitely into the future.
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The evidence shows that only a handful of active funds succeed in beating the market with any consistency — and that is often down to something called survivorship bias.
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Peter Westaway, Chief Economist at Vanguard Asset Management, explains the misconception that the economy and the stock market are correlated.
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All investing carries some degree of risk, but understanding what risk actually means, and the different forms it takes, is one of the surest ways to become a better investor. This video explains why risk and volatility are not the same thing, and walks through the key types of investment risk: concentration, credit, liquidity, market (or systematic) risk, and inflation risk. You'll learn which risks you can diversify away and which you can't, why markets reward those who take on market risk, and why you need to weigh your need, willingness and ability to take risk carefully. Crucially, you'll also discover why being too cautious is a risk in its own right, because not taking enough risk can leave you short of what you need for the future.
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Confirmation bias is our deep-seated tendency to seek out information that supports what we already believe, while dismissing anything that challenges it. For investors, it's a costly trap. This video explains what confirmation bias is, how it (along with overconfidence) helps explain why active investors consistently underperform the market, and why following your instincts can do so much damage. Featuring behavioural finance expert Tim Richards, it draws on Terrance Odean's landmark study of 10,000 US trading accounts to show why the stocks investors buy so often underperform the ones they sell, and why it's unrealistic to assume you have an edge over the millions of others who make up the market.
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