GROW PLAN AND BUILD YOUR WEALTH

Expert guidance on future proofing your wealth

CREATE YOUR FINANCIAL PLAN

A Comprehensive Approach

Create your bespoke financial plan. All services are customized to meet the specific needs of each client. Ensuring collaboration throughout the entire process to ensure  measurable results.

ACCESS A LOW COST SUITE OF INVESTMENTS

Expert Guidance

Focused on keeping investment and management costs to a minimum with direct access to low cost index funds and ETF's. Taking the guess work out of investing and allowing clients to benefit from greater growth on their money.

ONGOING EXPERT ADVICE

The Path to Success

Receive robust ongoing advice on how and where to invest. Ongoing reviews and regular rebalancing of your portfolio to make sure you are on target to reach your goals

FREQUENTLY ASKED QUESTIONS

Where will my money be invested?


To address your investment goals we help to build your investment portfolio using an investment strategy that seeks to apply genuine, value adding, investment science to your portfolio. This ‘science’ aims to maximise your investment returns, through the use of strategic asset allocation across equity and bond assets, whilst applying an evidence-based factor model for the selection of those assets. Proven to identify corporations that have the best potential for generating superior long-term return.




How much risk is involved?


When considering suitable investment options, a key factor (alongside personal circumstances and objectives) is how comfortable an individual is with risk. All investments carry risk, some more so than others. There is no universal definition of risk and each organisation/jurisdiction will calculate risk differently. At AES, we consider equity investments (shares in developed and emerging markets) as high risk, and fixed interest investments (corporate bonds, government gilts) as low risk. We constructing portfolios we ensure they are in alignment to your risk appetite and capacity for loss




How much will it cost to invest?


This will depend on the investment platform recommended and the cost of the underlying investments/investment mandate. One of our key areas of focus is helping to keep the TER (total expense ratio) of your investmnet portfolio to a minimum, in order to maximize your returns. For more information on how you may be charged see the Fee transparancy page on this website.




Investing seems complicated, how do I get started?


The first step is to determine what you want to achieve with your investing, whether it’s in the short-term or long-term, Are you primarily saving for retirement, which means you may not access that money for decades? Or is there some other major goal, like an expensive dream trip, that you’d like to take in a few years?




How important is investment diversification?


Diversification means you don’t have all your eggs in one investing basket, which may help protect you if any part of your portfolio falters.For example, if you invest in just one company or fund, that gets into trouble or has liquidity issues, then your whole portfolio will suffer. Being diversified also applies to the industries and asset classes you invest in. It’s important to consider not only being invested in different sectors of the economy, but also investing in a mix of stocks and bonds. Index funds are one way you might further diversify your portfolio because they can track both stock and bond indexes.




What Is the effect of compound interest when investing?


Compound interest is very simple. It is interest over interest. Standard interest only gives interest over the principal. However, with compound interest, the principal includes the previous interest. That means that you get interests over an increasingly large principal capital. This may not sound like a big difference, but it is a big difference. Compound interest will always return more than standard interest. Some say its magic! - For instance, 10’000 dollars with 10% annual interest will grow to 174’494 dollars after 30 years. If you are saving for the long-term, this is incredible.And it gets even more incredible when you consider contributions to the account during the years. For example, if you add 200 dollars per month to the previous example, you will end up with 569’279 dollars after 30 years. And you will only have contributed 82’000 dollars. That is almost a gain of 500’000 dollars over 30 years.




What is the difference between passive and active investment strategies?


The two main methods of investing are called active and passive management, Active investors pick their own stocks, bonds, and other investments. Passive investors let their holdings follow an index. When most people talk about stock investing, they mean active investing. It may sound like the superior strategy, but active investing isn't always all it's cracked up to be. Over the long haul, most actively managed stock mutual funds have underperformed the S&P 500 Index, the most popular and prominent benchmark for index funds.




How long should I invest for?


Equity markets tend to move in cycles, and often, it takes five to seven years to go through a full cycle of a sharp rise, followed by a decline and stagnation. To get the right level of returns, we need to keep investing throughout the whole cycle. That won’t happen in a year or two. Evidence suggests that long-term investing should be at least five years and above.