Video Library AES International Wealth

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Why finding the right financial adviser is so important

Transparency Task Force Founder, Andy Agathengelou, highlights the importance of choosing a transparent financial adviser

How can I live life to the full when I retire?

Retirement expert Barry LaValley shares his view on how a good financial planner can help you to match words with action and live life to the full

Good news! The fund industry is finally shrinking

Research by Morningstar shows that the industry is finally contracting — a development viewed by researcher Jeffrey Ptak as a positive one, but many observers still believe the industry is far too big

Working out how much you pay in fees and charges isn't easy

Statistician Chris Sier decided to look into the cost of investing, trying to get to the bottom of how much investors pay, but it’s a painfully slow process

How to decide whether to trust an adviser

Financial author and consultant, Herman Brodie, explains the importance of ensuring you choose an adviser who has your best interests at heart...

Is preparing for retirement just about money?

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

Why fund industry advertising can often be misleading

Professor Raghavendra Rau, from Cambridge Judge Business School, highlights the tricks of the trade that the fund industry doesn't want you to know...

What's the real cost of active investing?

When it comes to investing in actively managed funds, the opaque charges can have an impact on your returns. Here's what you need to look out for...

The number 1 lesson from market history

Investors today may be investing for at least 50 years. It's therefore important to take a long-term view. Professor Russell Napier explains why diversification is the key to success

Why you shouldn't look at past performance

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 over the long term rarely reaps rewards. Here's why...

How to manage my own investments

It can be tempting for investors to want to manage their own investments without the help of a financial adviser. This can be risky, and here's why...

Are volatility and risk the same thing?

Financial advisers and financial planners will use words like risk and volatility and assume that everybody knows what they mean. Financial writer and podcaster, Carl Richards, explains why the two often get confused...

What are the best investment lessons?

David Chambers, from Cambridge Judge Business School, explains his thoughts on investors applying the Yale Model to their investment portfolios

The value of advice: Cost control

It’s even more critical than before to work out exactly how much you’re paying to invest, especially as some costs are hidden, or extremely difficult to find. Jeff Ptak, Morningstar’s Global Director of Manager Research, explains further...

Are men or women the best investors?

The evidence shows that men and women often have different attitudes towards investing. Dr Moira Somers, a financial psychologist at the University of Manitoba, explains the key differences and the impact they can have on investors

Why you shouldn't aim for a perfect investment portfolio

Behavioural expert and former financial adviser, Carl Richards, explains why investors should steer away from perfectionism...

What Norwegians can teach us about investing

Elroy Dimson explains what investors can learn from the 'Norway Model' and how the Norwegians look after national wealth...

What is 'present' bias?

Sarah Newcomb, a senior behavioural scientist at Morningstar, explains why 'present bias' is the most detrimental bias for investors...

What is the best technology investment?

Investors tend to get overexcited when new forms of technology emerge, but they need to be aware of this and keep their enthusiasm in check. David Chambers from Cambridge Judge Business School, explains why

Why are there fewer active fund managers than before?

Ben Johnson, from Morningstar in Chicago, explains why it is so difficult for active fund managers to outperform

What is 'recency' bias?

One of the big problems investors face is what behavioural psychologists call recency bias. Investors look at the recent past and project that indefinitely into the future. Behavioural expert Carl Richards, explains further

Why social media can be bad for your wealth

Tim Richards, writer of The Psy-Fi Blog, discusses the effect social media has on investors...

How do I reduce the risk of investing?

Wade Pfau, a Professor of Retirement Income at The American College of Financial Services, explains the logic behind the '4% rule' and the importance of managing investment risk

Will active funds beat the market?

Dr David Blake is one of the world’s leading authorities on mutual fund performance who has spent many years studying fund returns in both the UK and the US. His findings show that only 1% of active funds outperform in the long term

Why diversifying your investments is a very good idea

Professor Martin Weber, from the University of Mannheim, explains the importance of diversification and how you go about achieving it

What's the single most important advice for investors?

David Pitt-Watson, a fund industry insider, offers invaluable advice to investors. It starts by asking the right questions...

What is the value of financial advice?

Not everyone needs a financial adviser, but everyone can benefit from good financial planning when approaching retirement. Wade Pfau, a Professor of Retirement Income at the American College of Financial Services, explains why ...

How to find a financial adviser

Choosing the right financial adviser can be a challenge. Brett Davidson, from FP Advance, offers advice on how to go about choosing the right one for you and your goals

How do I make better investments?

Investors need to be able to protect themselves from their own behavioural biases. Behavioural finance expert, Tim Richards, offers some helpful advice

How should you react to extreme market turbulence?

Crashes and corrections have been present throughout market history. It is in times of turbulence that you often see investors making poor investment decisions. Investment author, Lars Kroijer, discusses how investors should react during market volatility

Why you need a financial plan

Jason Butler, a former adviser, who now writes and speaks about financial planning, explains how you can get closer to achieving your goals by developing a financial plan

What is 'optimism' bias?

Optimism bias is one of the most prevalent behavioural biases investors are prone to. It's something you need to guard yourself against so it doesn't impact your investment returns . Professor Bent Flyvbjerg from Oxford University explains why it's so difficult to combat

Why investing in private equity may be a bad idea

Private equity is gradually becoming easier for ordinary investors to gain exposure to. But does that mean it's a good idea? Professor Phalippou from Oxford University offers his insights

Why you need to know yourself as an investor

The impression often given by the financial media and many financial advisers, is that investment success lies in picking the right products. While this is important, the bigger factor is you...

How 'availability bias' can wreck your investments

Tim Richards, writer of The Psy-Fi Blog, explains how biases can impact an investor's decision making abilities

Which factors are worth investing in?

Investors in traditional index funds are effectively investing in entire markets. But there’s evidence to show that by exposing their portfolios to specific risk factors, investors can and do beat the market over the long term...

Is the indexing bubble about to burst?

Index funds are a very efficient way to invest. Some argue we may be heading for an indexing bubble, however Ben Johnson, Director of Passive Funds Research at Morningstar, explains why this is nothing to worry about...

Are investors reluctant to realise their losses?

Tim Richards, an expert in behavioural finance, explains how our habits can drive us to make irrational investment decisions...

What you can and can't control in investing

Focusing on what matters and what you can control is useful in life generally and not just when it comes to investing. It can save you a great deal of time and unnecessary worry

Why being optimistic makes you a good investor

Stock markets, over the long term, have delivered healthy returns but there were long periods when investors had to be patient and it paid to be globally diversified. Elroy Dimson discusses what investors can learn from long-term market data...

Can I trust a financial adviser?

Historically, financial 'advisers' have been more like salespeople. But financial advice is not about products. It’s not even, primarily, about what’s in your investment portfolio. It’s about defining your lifestyle and understanding where money fits in...

How to choose an asset allocation you're comfortable with

We often read in the financial media about strategic asset allocation. It’s essentially about predicting which asset classes are about to perform well, and which will fare poorly. But it’s extremely difficult to do. Former hedge fund manager Victor Haghani explains further...

Is the media right about investments?

The financial media likes to make investing seem exciting. But, in fact, successful investing isn’t particularly exciting at all. Allan Roth is an adviser and investment writer based in Colorado. Why do so many people seem to seek excitement in investing?

How do I reduce the fees i pay?

The impression the media can give is if you want higher investment returns, you should expect to pay higher fees. But what does the evidence say?

How well do active funds perform?

Most investors use actively managed funds. In other words, they, pay a fund manager to buy and sell the right stocks at the right time. But, in general, how well do active funds perform? S&P Dow Jones Indices keeps a running scorecard called SPIVA.

Are money and happiness linked?

Can money buy you happiness? Studies have shown that the link between money and happiness is not as obvious as you might think.. Chris Budd, an expert on financial wellbeing explains why

What is the impact of charges on my investment?

It is often extremely difficult for investors to understand that the less they pay to invest, the better Because as humans, we naturally assume that the more we pay for something, the better the quality or service will be...

Why are my investments not growing?

One of the most common misconceptions about investing is that the economy and the stock market are perfectly correlated...

What is investment alpha?

The evidence shows that fund managers are finding it increasingly difficult to generate alpha

Does factor investing work?

For those who are willing to accept more volatility, there is a case for trying to beat the market using factor funds. Gerard O’Reilly from Dimensional Fund Advisors explains further

What is the risk of managing my own investments?

In life, an optimistic outlook on the world is considered a good thing But can overconfidence and optimisation be detrimental for investors?

Can I manage my own investments?

Behavioural biases can have a detrimental impact on investment returns. So what can you do about them?

What is sustainable investing and how does it work?

Sustainable investing is a long-term investment approach that incorporates environmental, social and governance criteria. But is there a conflict between passive investing and sustainability?

What is SPIVA?

The industry is always putting out data which appears to tell a different story. So how do investors find a true picture?

Why doing nothing makes you a successful investor

Barry Ritholtz explains why peoples psychology often works against them, especially when investing

Why it's important to avoid the media's investment advice

Open the money pages of a newspaper and chances are you’ll see articles about the best funds to buy. But just because the funds perform well now, doesn't mean they will in the future....

Why you shouldn't trust investment advertising

Research also found that fund management companies make use of the 'Horizon Effect' when planning price increases

What is factor-based investing?

There is a great deal in the media about factor-based investing, sometimes known as smart or strategic beta. So, what exactly does it mean?

Which is the best country to invest in?

We can understand this by asking the academics who’ve studied the evidence - namely Professor Elroy Dimson

Even fund managers can't identify future outperformers

Professor Ragu Rau from Cambridge Judge Business School explains why it's so difficult for fund managers to identify future outperformers

Should I invest in wine, cars, art or antiques?

Fine wine, expensive artwork, classic cars...does collecting valuable items make sense from an investment point of view? We compare some past performance in this short video

How to speak to my partner about finances

Once you’ve made the decision to adopt an evidence-based investing plan, you need to stick to it and talking together as a couple can help to keep you on track

Does financial planning help me?

Jason Butler, author and former adviser, discusses why a 2-month spell with a personal trainer (or financial adviser) won’t get you the results you desire

Why investors should ignore market predictions

If we move into an era of lower investment returns, how should investors react?

How many active funds managers can beat the market?

The number of active fund managers has increased in recent decades, couple this with the fact that all access the same data, tools and analysis, and this has rendered them far less effective. This means investors are far less willing to pay high fees for an active fund manager's underperformance...

What is survivorship bias and why is it important?

Craig Lazzara of S&P Dow Jones Indices explains what survivorship bias is and why it contributes to only a small fraction of actively managed funds succeeding in beating the market

How does risk profiling work?

Discover why an investor may not be the best judge of his or her attitude to risk

The significance of charges on your investments

In this video, investment author Lars Kroijer calculates how many Porsche's a passive investor could purchase with the amount he saved in fees, over his working life. The answer might just surprise you

What is evidence-based investment?

Discover whether academic research really does provide you, as an investor, with beneficial insights

Here's how you should diversify your portfolio

Understand why diversification is the only free lunch in investing

Can money make me happy?

It's not how much money you have...but what you do with it that matters...

Who is the best fund manager?

According to research, only circa 1% of fund managers outperform - of those who do, is their outperformance down to luck or exceptional skill...

How to make the best investment decisions

In this fascinating interview with cognition scientist Dr. Ed Roberts learn why we make financial mistakes when feeling stressed or over-confident

How to choose the right financial adviser

In this expert interview, discover how financial advice has changed, and how now more than ever it's critical to select a highly qualified fiduciary who puts you first

How a financial planner is like a sports coach

Your beliefs about money may be self-limiting. Your adviser can challenge these beliefs - because beliefs are not truths. Your adviser will guide you to become a more successful investor

What is the next big investment opportunity?

Understand what drives investors to chase past performance, and you'll be a better investor

How do I beat the stock market?

Market timing is impossible...even for expert investors and economists

The common misconception about index funds

Contrary to popular belief, an index fund is not created by a computer or speculative guesswork, as this video explains...

What is the secret of successful investing?

Learn how to re-engineer your investment value chain using technology, a scientific process and the right people - and achieve the results you deserve

What is smart beta?

Discover when a passive investment strategy becomes active

Should I invest in emerging industries?

Do the most successful investors stock or sector pick, or invest internationally to choose global diversification? Discover expert evidence in this insightful video that looks at the historic results of those who've chosen the different approaches for their investment success.

How to get better investment results

Discover how sensible investment management and good financial planning go hand in hand - and how you can achieve the best investment results possible

Should I invest in a new mutual fund?

Excellent insight into how new funds are often only launched after accidental success that cannot be replicated

Will I have enough money in retirement?

Discover the elements that make up a good decumulation (draw down) plan...and whether the 4% rule still stands

Do actively managed funds work?

Discover why there are so few active fund managers in the world who've ever been successful

What are the best mutual funds?

Active funds are heavily promoted, but are they worth your money?

How do I become a millionaire?

Millionaires think, act and react differently...

How do I get better investment results?

Discover why what you pay is NOT what you get when it comes to investing, as explained in the words of a reformed broker

How can I protect myself from investment mistakes?

The irrationality of investors is predictable and expensive. So, what is the best defence against our natural biases?

Do political events affect the market?

2 big political events in 2016 shook the world; here's what they taught us

Why are exchange-traded funds so popular?

This video explores the intricacies of exchange-traded funds, examines the pros and cons, and explains how ETFs may fit into your well-diversified portfolio

Why indexing makes financial sense

An expert lesson in behavioural finance and investing

How can I diversify my investment?

Discover why a home bias is a bad thing in investing terms, and how diversifying globally makes the most sense for the strongest investment returns

Where are all the billionaires?

Find out how you can avoid the 2 most common ways of ruining investment returns

What is the best investment return?

Even so-called experts cannot accurately forecast market movements, so which investment strategy should you adopt?

What are the different asset classes?

Discover the benefits, risks and performance drivers of the main asset classes

The value of advice: Coaching

Learn how controlling your emotions can positively impact your investment returns

The value of advice: Maintenance

As well as keeping a close eye on how your investments are performing, there are several things a good adviser will do for you on an on-going basis

The value of advice: Cost control

Costs compound over time, but controlling them can be easy

The value of advice: Asset allocation

The answer lies in effective asset allocation

The value of advice: Do I need a financial adviser?

Find out how it can literally pay to have a financial adviser helping you along life's journey

Could I lose my money while investing?

When you invest, you expose your money to risk. However, there are different types and extremes of investment risk, some of which you can avoid depending on your own risk tolerance...

6 steps to successful investing: #6. Stay balanced

Risk, return and rebalance: discover how the 3 Rs of investing affect your portfolio's asset allocation, and why you need to maintain balance

6 steps to successful investing: #5. Be disciplined

During periods of market volatility it can be difficult to stay disciplined and stick to your financial plan. Discover why ignoring short-term market events and focusing on your long-term investing goals is the best approach

6 steps to successful investing: #4. Spread your risk

Market volatility is inevitable. So, spread your risk by holding the whole market and save yourself time, money and unnecessary anxiety

6 steps to successful investing: #3. Control your costs

When it comes to investing you DON'T get what you pay for. Discover how to cut costs for greater returns

6 steps to successful investing: #2. Beware of market gurus

Avoid the crystal ball gazing fund managers who fail to perform consistently, and who will cost you more than you'll ever make!

6 steps to successful investing: #1. Accept the price

Discover why successful investors don't try and beat the market

Sam Instone answers financial questions with Helen Farmer on Dubai Eye radio

Sam Instone, answers financial questions related to banking, insurance and investment

Sam Instone discusses the steps to follow when it comes to saving

Sam Instone, Director of AES International, shares his thoughts on everything from money management to gratuities

Director of AES International Stuart Ritchie shares his thoughts on the new UAE retirement visa announcement

What does this development mean for expats?

Sam Instone discusses new regulations that the insurance industry is facing on Dubai Eye

Our Director Sam Instone talks us through the new regulations that the insurance industry is facing and what they mean for customers

Andrew Hallam: How expats can avoid getting trapped in inflexible financial products

The author of best-selling personal finance book ‘Millionaire Teacher’ talks about how expats can avoid getting trapped in inflexible financial products...

Andrew Hallam: How I became a millionaire

Andrew Hallam talks to Dubai Eye about how he became a millionaire on a teacher's fairly meagre salary....

FCA changes in the UK and their potential impact on UAE expats

Sam Instone talks to Business Breakfast about FCA changes in the UK and their potential impact on UAE expats and the Dubai financial sector...

Why do 65% of GCC expats have no pension plan?

Our CEO Sam Instone speaks to The Agenda team on Dubai Eye radio about pensions...

AES International's CEO Sam Instone answers a pressing investment question: "How much is enough?".

Hear his thoughts on Dubai Eye's The Business Breakfast.