2021-06-17 10:40
Are you thinking of repatriating to the UK at some point?
You’re one of many.
However, structuring your finances now is key to making the most of your offshore wealth later.
Many l… Read More
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Expat Financial Blog
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The voice of the only Corporate Chartered Financial Planners in the Middle East, AES International’s blog seeks to educate and inform expats with respect to pensions, savings and investments in the offshore marketplace. A key instrument of its mission of ‘Positive Change’, AES International’s blog tackles some of the toughest topics, often challenging the status quo maintained by international life companies and unscrupulous international financial advisers.
2021-06-17 07:33
Yesterday I attended a conference call with Dr. Moira Somers.
Neuropsychologist, professor and epic author.
In her book, 'Advice that Sticks', she says:
"When life changes, money changes… Read More
2021-06-10 08:45
This week was my first overseas business trip in 24 months.
Many people say the world is “going back” to normal.
But is it?
The pandemic has changed how we live and work.
But… Read More
2021-06-10 04:37
Scientists, industries, governments, and society in general are looking for ways to improve people’s standard of living.
While avoiding environmental damage.
You’re likely more… Read More
2021-06-03 12:01
June is the end of H1.
With Q1 and Q2 almost behind us, I’ve been reflecting on my own Accountability Document…
And whether I’m on track for my ‘best year ever&rsq&hell…Read More
2021-06-02 13:31
How do you enjoy the benefits of an interconnected world?
Days start with a cup of coffee that originated in South America.
Email is read on a smartphone designed in California and manufac… Read More
2021-05-27 09:32
This week I read about the anniversary of the Brooklyn Bridge in New York.
It was built on 24 May 1883 and took 14 years to build.
Building your own financial security is like a bridge bet… Read More
2021-05-26 08:02
Many senior international professionals like yourself create their wealth working offshore.
Simply put, the opportunity to grow capital is bigger.
But what happens to your pension while o… Read More
2021-05-20 10:57
I’ve just enjoyed a week away with my family.
But if you’re anything like me, you find it hard to completely switch off.
As busy executives, we're all working hard to create a… Read More
2021-05-13 07:50
People find me strange because I cycle to work each day across the desert.
Past a deer park, an ostrich reserve and through a Bedouin camel farm.
Over an hour each way in quite ‘warm… Read More
2021-05-06 10:11
This week, my colleague Stuart Ritchie was invited to talk to The National about financial advice for newlyweds.
What’s important for a healthy, happy relationship with money?
More o… Read More
2021-04-27 08:44
Bernie Madoff died this month.
The American fraudster ran the world’s largest Ponzi scheme ($65 billion).
Even some of the brightest investor minds and regulators were completely foo… Read More
2021-04-22 04:30
This week, the infamous Bernie Madoff passed away…
Mastermind of the biggest investment fraud in U.S. history.
The scandal at Bernard L. Madoff Investment Securities led to sweeping… Read More
2021-04-21 07:00
I was out with the Managing Partner of an International law firm the other night.
He explained he often avoids talking about his profession at social events.
Inevitably, when people discov… Read More
2021-04-15 05:46
This week’s news was the sad passing of Prince Philip.
He’s left his mark.
A legacy as a son, father, husband and leader.
It inspired me to think about ‘legacy’ an… Read More
2021-04-14 11:30
May 18, 2017 was a historic night.
As the gavel sounded, at Sotheby's auction house, a painting titled 'Untitled' by Jean-Michel Basquiat sold for $110.5 million.
It was a new record… Read More
2021-04-08 06:32
I’ve read many articles regarding the mega wealthy this week…
How they’ve built their wealth, lost their wealth, given it away and even doubled their net worth in a year… Read More
2021-04-08 05:55
In the business world today, employee health and well-being is a key focus of some of the world’s most successful and innovative organisations.
They invest great time, energy and reso… Read More
2021-04-07 05:54
Gold is an asset class that drives some of the most extreme opinions from investors.
It makes people highly emotional - you either love it or hate it.
It's why I wasn't surprised when I go… Read More
2021-04-01 07:14
Imagine you finally reach your ideal retirement.
Each morning you wake up full of energy and purpose, ready to take on the day and achieve more of your life goals.
You’re surrounded… Read More
2021-03-31 06:30
House prices where I live are currently falling.
Great news if you’re in the market for one.
Many people still feel property is a better alternative to capital markets despite the ev… Read More
2021-03-25 06:58
Think about the state of your life, your career, your business, your major relationships - anything consequential to you.
How many important decisions have you already had to make?
And, ho… Read More
2021-03-18 05:33
Wealth is freedom.
It isn’t a thing, nor any accumulation of things.
Above all, it isn’t a certain net worth.
There are, after all, people who would feel inexpressibly wealthy… Read More
![[CASE STUDY] How One Client Earned $1.2 Million In Returns Over A Single Year](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-1507542932.w320.jpg "[CASE STUDY] How One Client Earned $1.2 Million In Returns Over A Single Year")
2021-03-17 12:45
A lot can happen in a year.
The world can be thrown in turmoil.
A global recession can hit and people the world over can have their lives changed forever.
But there can be incredible oppo… Read More
![[CASE STUDY] How One Client Earned A 60% Investment Return In A Single Year](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-785335158.w320.jpg "[CASE STUDY] How One Client Earned A 60% Investment Return In A Single Year")
2021-03-17 12:45
A lot can happen in a year.
The world can be thrown in turmoil.
A global recession can hit and people the world over can have their lives changed forever.
But there can be incredible oppo… Read More
2021-03-16 06:20
There have only been a handful of truly monumental “discoveries” in the history of investment theory.
The three-factor model, developed in 1992 by Nobel Laureate Eugene Fama (U… Read More
2021-03-11 04:25
You’ve likely heard the proverb: “rice paddy to rice paddy in three generations.”
The Scottish say: “The father buys, the son builds, the grandchild sells, and his s… Read More
2021-03-10 04:50
Every day you’re operating at 1000km/h.
You’ve got a business to run, employees to look after and a family to take care of.
Your life comes with a great deal of stress.
(Trust… Read More
2021-03-04 11:28
One of my best friends Robert is managing partner of a large international firm of architects.
I call him Bob the Builder…
To wind me up – he just calls me an IFA.
Just as I… Read More
2021-03-04 10:53
As a weekly blogger, I need to curate articles that say almost exactly the same thing 52 times a year - in a way that no one realises I am doing it.
I’m sure you’ve read my scep… Read More
2021-03-01 10:52
There are human companies and profit-driven companies.
The pandemic has brought to light those who understand people and want to make a positive difference in the world.&nbs&hell…Read More
2021-02-25 11:32
You wake up, now what?
How you start the day is how you win the day.
Your routine, the 'auto-pilot' things you do, what you feed your mind...
All affect your day, week and life ahead… Read More
2021-02-25 09:03
There has never been a better time to be an individual investor than right now...
And things are only going to get better from here.
You can invest in almost anything these days with the c… Read More
2021-02-18 11:19
Picture Marilyn Monroe.
Old Hollywood mid-century glamour.
Now picture The Queen of England.
Because of conceptions of time, we often place each in a different era.
So it might come as a… Read More
2021-02-17 13:25
Market speculation has dominated the news recently.
It's easy to view the headlines as cautionary tales for individual investors.
However, it can also be viewed as an opportunity to welcom… Read More
2021-02-11 12:21
"Making money in the markets is easy...
Just buy Tesla or Bitcoin and you’re sure to double your money!"
You might have heard this recently...
And it might appear (at least to some)… Read More
2021-02-11 10:03
More than ever, everyone is realising the importance of controlling their own happiness.
It’s made me think back to a Bill Gates interview where he says happiness comes down to 5 thin… Read More
2021-02-04 09:00
One of the biggest news stories this week is Jeff Bezos stepping down as CEO of Amazon.
There's much to learn from Amazon's visionary founder...
Especially when it comes to setting ambitio… Read More
2021-02-03 02:15
With the recent controversy surrounding the markets, it's no surprise investors are questioning where their money is invested.
We've had an influx of requests for second opinions as people… Read More
2021-02-03 02:15
With the recent controversy surrounding the markets, it's no surprise investors are questioning where their money is invested.
We've had an influx of requests for second opinions as people… Read More
2021-01-28 12:33
Ask any random person off the street what he or she wants more of, and you'll likely get one of two answers.
More money...
Or more time.
A large percentage of the "traditional" financial… Read More
2021-01-27 12:15
This week I was blown away by an email I received from a young girl who wanted to start investing.
Not your typical 14 year old!
By accident, she came across one of my tweets, clicked thro… Read More
2021-01-21 09:01
I've long been flummoxed by the difficulty people have making important decisions.
How can people get things so wrong so often in managing their health and fitness, family finances and care… Read More
2021-01-20 12:37
The relationship between security and money is an interesting one.
A paradox, even.
There are those with more money than they will ever need...
Yet are totally insecure.
Then there are t… Read More
2021-01-14 07:02
Big financial goals are rarely achieved overnight.
But by creating checkpoints along the way, you can work towards your goals regularly.
We begin this week with some tips from Goldman Sach… Read More
2021-01-07 07:38
May the coming year fill your life with happiness, good health and prosperity.
Of course, this is the time of year the 'traditional financial industry' trots out market gurus for their 'ann… Read More
2021-01-05 19:45
If 2020 taught us anything, it's that we need to have a plan for our futures.
Whatever that may look like for you.
If you don't have a plan, you won't have any accountability and direction… Read More
2020-12-22 05:24
2020 has felt like a decade on its own.
Now, as the year draws to a close, there's an overriding feeling of bullishness and optimism going into 2021.
Here's a look at what happened this ye… Read More
2020-12-17 04:38
One of my all-time favourite quotes comes from Theodore Roosevelt.
"The Man in the Arena" is about daring greatly:
"It is not the critic who counts; not the man who points out how the stro… Read More
2020-12-15 07:19
Life can be uncertain.
Everything can change overnight.
If 2020 has taught us anything, it's that we need to learn to embrace disruption.
Thankfully, things are looking up.
The holidays… Read More
2020-12-10 07:51
Our relationship with money is one of our longest and most consequential.
From an impressionable age, we develop attitudes toward saving and spending.
Whether we notice it or not, these pr… Read More
2020-12-08 03:00
What a year!
I'm sure you're looking forward to 2021 and having a fresh start.
But what if you could end the year off on a positive note and set things in motion for a better life?
Here a… Read More
2020-12-03 06:52
"The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays."
If you're reading these words and nodding… Read More
2020-11-29 11:00
Go to bed smarter than when you woke up.
That’s Charlie Munger's formula.
His partner, Warren Buffett, also a massive advocate of lifelong learning, once gave students the follo… Read More
2020-11-26 07:19
Less than a month to go until Christmas!
And the good news keeps on coming.
After incredibly positive predictions for 2021 last week from Goldman Sachs and other commentators, we've seen a… Read More
2020-11-18 10:13
This week I read a couple of interesting predictions for 2021, with Goldman Sachs forecasting a '20% gain for the S&P 500', and Bill Ackman saying it will be a 'very, very good year'.
T… Read More
2020-11-12 05:15
We have every reason to be optimistic.
Stock markets are rallying, the development of a vaccine is progressing well and 2021 promises to be a better year.
I've therefore begun thinking abo… Read More
2020-11-05 10:23
Doing well with money isn't necessarily about what you know.
It's about how you behave.
And good behaviours are hard to teach, even to really smart people.
Money - investing, personal f… Read More
2020-11-04 09:16
It’s time to decide what you want from life.
What motivated you to click on this?
Do you want the ideal life you’ve always dreamed of or to avoid costly errors?
Without under… Read More
2020-11-02 12:10
“Wellness is a state of complete physical, mental, and social well-being, and not merely the absence of disease or infirmity.”– The World Health Organization
Over the cour… Read More
2020-10-28 07:46
This year's given everyone an opportunity to reset.
To change direction and perspectives.
To take a step back, re-focus and rebalance...
Consider what you truly value, what you don't… Read More
2020-10-22 06:22
It's been a year like no other.
A global pandemic.
A sudden shift to a bear market.
Unexpected oil price drama.
Elections.
Fear, uncertainty and disruption to our normal routines. … Read More
2020-10-15 12:46
I phoned a Partner at a large law firm this week.
He entrusted us with 50% of his assets some years ago and has now made the decision to entrust us with the rest.
I was curious as to why… Read More
2020-10-15 09:30
As a senior international executive, you're most likely struggling to balance work with family and life.
Time is a valuable resource.
It helps you create better relationships, have greater… Read More
2020-10-08 12:16
78 days until Christmas!
Those who know me will be aware that I see the financial world as utterly divided.
I see the dark forces pedalling the unimportant (products, Bitcoin, Tesla, stock… Read More
2020-10-06 12:05
I recently read the Milliman white paper on International Private Medical Insurance (IPMI) in a post COVID-19 world.
It was fascinating.
But if the thought of reading an 11-page technical… Read More
2020-10-01 10:08
Unbelievably, today is the start of the fourth and final quarter of 2020.
Yesterday, C-suite and elite performance coach Mick Todd of 2bLimitless, sent me a Peter Diamandis quote -
"No mat… Read More
2020-09-24 10:34
Yesterday marked 100 days to go in this tumultuous year of 2020.
My friend and coach, Mick Todd of 2bLimitless, sent me a message recently - "Don't wish it was easier... find ways to be bet… Read More
2020-09-17 06:14
I wanted to start this edition with a fantastic video on 'Informed Risk' from Andy Hart. He explains how the financially illiterate perceive risk versus the more literate, and the vast diffe… Read More
2020-09-10 10:21
I wanted to start this edition with a fantastic video on 'Informed Risk' from Andy Hart. He explains how the financially illiterate perceive risk versus the more literate, and the vast diffe… Read More
2020-09-10 08:07
It’s here again already?
Time to renew your company medical insurance.
It’s a headache you likely don’t want to face.
And with medical inflation set to increase premiums… Read More
2020-09-03 11:22
This week’s edition begins with a tribute to Sir Ken Robinson, a world-renowned thinker on education innovation who recently passed away. His 2006 speech remains the most popular TED t… Read More
2020-08-27 10:24
Enjoy the current instalment of “weekend reading for health, wealth and happiness.” This week’s edition kicks off with a simple explanation of how the stock markets work an… Read More
2020-08-20 08:31
Enjoy the current installment of “weekend reading for health, wealth and happiness.” Designed to broaden your horizons and foster positive change in your life, this week’s… Read More
2020-08-18 13:19
I want to tell you a story.
It’s the story of a bereaved woman who has just lost her only son.
Kita is her name.
And her story provides invaluable learnings for successful internati… Read More
2020-08-13 10:25
Senior international professionals have felt particular angst around the market’s performance this year.
You’re working abroad to ensure you can get and keep the life you want&h&hell…Read More
2020-08-11 12:21
The law library at King’s College London was always quiet.
Full of the brightest, hardest working and most driven individuals.
(Different to the humanities and social sciences one wh… Read More
2020-07-15 11:51
This year, you've probably spent a lot less time travelling.
Seeing friends and loved ones.
Making memories and experiencing new things.
But you’ve likely been more introspective… Read More
2020-06-29 12:45
One day in 1995, a man robbed two American banks in broad daylight.He didn’t wear any sort of disguise and smiled at surveillance cameras before walking out. The police arrested him la… Read More
2020-06-10 08:40
Write a cheque today and make it a gift.
Sounds easy, doesn’t it?
That’s because it is.
The most difficult part of saving this huge sum...
Is picking your benefic… Read More
2020-05-07 11:45
Ever been on holiday where the weather wrong-footed you?
The brochures promised tropical bliss, so you packed accordingly.
Instead, you are greeted by bone-chilling wind and rain.
Shi… Read More
2020-04-29 09:00
As a super-fan of low-cost, passive or index investing, there is no company I hold in higher regard than Vanguard.
There’s also no businessperson I admire more than its founder… Read More
2020-04-22 11:10
You’ve most likely heard the term ‘evidence-based investing’.
In fact, you may have heard it from us.
Or read about it on our website and in blog posts.
But what exactly… Read More
2020-04-15 10:07
These are uncertain times.
Nearly everyone has had their lives disrupted in some way or other.
We’ve seen huge swings in the markets because of this.
You may be feeling uneasy, perh… Read More
2020-04-09 10:45
Our latest blog is from our friend and financial journalist, Robin Powell.
He tackles the topic of risk...
And how it's not quite as easily defined as you may think.
Risk depends on a var… Read More
2020-04-01 12:14
It’s believed that in 1959, American President John F. Kennedy said:
“When written in Chinese, the word ‘crisis’ is composed of two characters — one repres… Read More
![[Case Study] How One Investor Saved £161,114 In Tax – By Doing ONE Thing…](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-2132979460.w320.jpg "[Case Study] How One Investor Saved £161,114 In Tax – By Doing ONE Thing…")
2020-03-12 11:00
A few weeks ago, a global citizen contacted us.
Being a passport holder of one country while living in another…
With numerous bank accounts, policies and pensions…
He needed… Read More
![Beware — the Financial Media Is Not Your Friend [plus 2 Ways It Negatively Impacts Your Returns]](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-2450930656.w320.jpg "Beware — the Financial Media Is Not Your Friend [plus 2 Ways It Negatively Impacts Your Returns]")
2020-03-03 12:06
Whether it’s the print media...
(Think weekend money sections or investment magazines) ...
Or their online equivalents...
There are plenty of places investors can find advice about… Read More
2020-02-26 12:22
There are 81,000 confirmed coronavirus cases worldwide.
The pandemic doesn’t seem to be slowing down.
With the number of cases outside China increasing…
The markets are rattl… Read More
2020-02-20 08:19
Patience, discipline and delayed gratification are rarely mentioned in the financial media…
Despite being crucial for long-term investment success.
They also happen to be qualities… Read More
2020-02-05 06:00
Michael, 46, is an engineer in Dubai.
He plans to retire in 9 years.
Despite having over £1 million in assets...
He was not going to reach his retirement goals...
Unless he made a… Read More
2020-01-30 13:20
I read about a retiree who complained about always being bored.
She couldn’t find her purpose.
In fact, a few days after she retired…
She started looking for work.
It made m… Read More
2020-01-29 10:50
Guest post from Robin Powell of The Evidence-Based Investor blog...
We often talk about steering clear of financial news.
The media has conflicting information and biased views.
Not… Read More
![How To Build A £1m Portfolio By The Time You Retire [in 3 Easy Steps]](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-1976665468.w320.jpg "How To Build A £1m Portfolio By The Time You Retire [in 3 Easy Steps]")
2020-01-21 12:54
One of the most common excuses for not investing more money on a regular basis is “I can’t afford to”.
You simply don’t have enough spare money.
It’s not just… Read More
2020-01-14 08:37
Guest post from Robin Powell of The Evidence-Based Investor blog...
One of the biggest attractions of having a broadly passive investment strategy is the simplicity of it.
You don&rsq&hell…Read More
![The #1 Thing Investors Need To Do To Improve Returns In 2020 [plus A Money-back Guarantee If It Doesn't Work For You]](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-2299308838.w320.jpg "The #1 Thing Investors Need To Do To Improve Returns In 2020 [plus A Money-back Guarantee If It Doesn't Work For You]")
2020-01-04 23:45
More has been written on the active versus passive debate than probably any other issue facing investors.
Every day people are coming up with different theories as to why one is better than… Read More
2020-01-02 09:53
A new year and new goals.
No doubt there’ll be new information about where best to invest.
And how.
You’ll stumble upon websites predicting the year’s best funds or cryp… Read More
2019-12-24 07:45
If you're a regular reader, you’ll know my thoughts on stock pickers.
Those who try to forecast market movements...
May as well enter a casino and place their life savings on red.
2… Read More
![Our 9 Most Talked-about [perhaps Slightly Controversial] Blogs In 2019](https://cdn.blogarama.com/images/posts_thumbs_site_id/4811/481062-2070155915.w320.jpg "Our 9 Most Talked-about [perhaps Slightly Controversial] Blogs In 2019")
2019-12-19 09:21
84.
That's how many blogs our team have given you this year.
They've covered everything from the markets to investment behaviour...
Economic and political events to longevity risk...
Lot… Read More
2019-12-12 07:30
Guest post from Robin Powell of The Evidence-Based Investor blog...
Human beings are hard-wired to do things.
And the pace of modern life has intensified it.
Our culture encourages u… Read More
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