How to get better investment results
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AES International is a multi-award winning international wealth management and employee benefits organisation. Find out why you should join our movement: https://www.aesinternational.com/
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How to get better investment results
- 3. depends on things Great wealth management ie.YOUR financialsecurity 2
- 7. …but they often get mixed up OGDO IANLAFCNI APNNGINL NEESILSB NTEITNMESV AATEGEMNMN
- 8. Most people think FINANCIAL ADVICE is INVESTMENT ADVICE…
- 9. …it’snot Most people think FINANCIAL ADVICE is INVESTMENT ADVICE…
- 10. Most people think a FINANCIAL ADVISER is an INVESTMENT MANAGER…
- 11. Most people think a FINANCIAL ADVISER is an INVESTMENT MANAGER… …they’renot
- 12. a banker, a stockbroker, a wealth manager an IFA Most people get INVESTMENT ADVICE from FINANCIAL SALESPEOPLE… ( ) 95%+
- 13. And miss out ENTIRELYon real ADVICE!
- 14. Because these people work in industries and sell products for their gain…
- 15. …not yours
- 16. We dare to be
- 17. and challenge this status quo We dare to be
- 18. This means we TRANSFORM an out-dated financial services INDUSTRY that manufactures and sells toxic products, into a valued PROFESSION We call this: POSITIVE CHANGE
- 19. We believe those helping people with money should be FIDUCIARY PROFESSIONALS* *i.e. acting in YOUR best interest NOT in THEIRS Think teacher or doctor and (some) lawyers...
- 20. The hallmark of a professional looks like this… click to learn more
- 22. Webelieve… In thinking, acting and advising DIFFERENTLY
- 23. Webelieve… That data and evidence should drive your investment AND life decisions
- 24. Webelieve… That data and evidence should drive your investment AND life decisions (NOT speculation or sales)
- 25. What’s the difference between SO... Financial advice Investment management
- 27. Financial advice is about Investment management is about Human capital Financial capital
- 28. Financial advice is about Investment management is about Planning Process
- 29. Financial advice is about Investment management is about Emotional management Data management 01001000 01100101 01101100 01101100 01101111 00100001 greed/buy fear/sell repeat until broke
- 30. Financial advice is about Investment management is about Budgeting money in with money out Balancing risk and return
- 31. Financial advice is about Investment management is about Life’s structure – use of debt, tax efficiency, protecting loved ones, your future Portfolio structure and rebalancing Equities Alternatives Cash Bonds
- 32. Financial advice is about Investment management is about A plan to survive life disruptions A portfolio to survive market disruptions
- 33. Financial advice is about Investment management is about How, when why to invest Where to invest
- 34. Financial advice is about Investment management is about Asset location Asset allocation
- 35. Financial advice is about Investment management is about Philosophies about life’s certainties Philosophies about economic uncertainty
- 36. Financial advice is about Investment management is about Helping you understand how much you need to save Helping you understand how much you need to earn on your investments
- 37. Financial advice is about Investment management is about Figuring out what a wealthy life means to you Growing and/or preserving wealth
- 38. Financial advice is about Investment management is about ValuationsCashflows Mr Alan Person Personal Investment Plan 4 Existing Investments Below is a summary of your existing investments which we have reviewed at this time: Provider Policy Type Fund Value OMI Executive Redemption Bond £1,082,015.88 This information was provided by the various providers on varying dates and is subject to fluctuation and is not guaranteed. I will now review this investment. Fund Manager Name Holding % Holding £ Momentum Global Funds Sterling Balanced 57.14 618,212.71 BlackRock Global Income 12.40 134,194.23 Fundsmith Equity 6.73 72,801.54 Fidelity International Global Dividend 6.37 68,908.75 BlackRock Continental European Income 6.27 67,875.23 Standard Life Investments Global Absolute Return Strategies 5.93 64,214.70 Currency Pounds Sterling 2.60 28,082.63 Franklin Templeton Global Total Return 2.56 27,269.09 Total Portfolio 100% £1,082,015.88 Source of data: OMI @ 31 January 2016 Existing Performance Summary vs. AES Balanced (recommended similar equity content) Instrument Name 1 Year 3 Years 5 Years OCF Portfolio OMI ERB -0.96% 16.57% - 2.74% Benchmark AES Balanced -1.47% 19.79% - 0.25% Source of data: Financial Express Analytics @ 7 February 2016 The table above shows the OCF for your existing portfolio to be c2.74% per annum. An ‘active’ investment strategy will also incur ‘Turnover Ratio’ which is the additional cost incurred as a result of regular trading within a fund. Although this cost is not declared by fund managers, research by Mr Alan Person Personal Investment Plan 9 Cash-flow Modelling As an example, please find below a graph detailing the pension fund of £1,082,016, invested for the next 10 years, achieving 5.5% net investment return. Our AES International Balanced portfolio targets a return of 4-7% per annum, net of fund fees, and therefore I believe a long-term investment would be able to achieve the 5.5% return illustrated. Savings at start £1,082,016 Savings at end (10 years) £1,848,240 Net investment return (p.a.) 5.50% We are able to provide cash flow projections incorporating your goals and objectives to ensure that you have the confidence in your investments to ensure your family can face their financial future with increased confidence and security.
- 39. Investment management without good advice often leads to regret
- 40. why what Investment management without good advice often leads to regret Because without the makes no sense the
- 41. The traditional industry approach to investment management is Active management Tactical performance chasing Driven by individual relationships Decisions based on guesswork Play on your emotions Complex, opaque and expensive products Ad hoc processes and baseless promises Hidden commissions and fees = It’s expensive doesn’t work! Play on your emotions
- 42. Most people don’t invest correctly… Nobel winning evidence proves this Fact…
- 43. Like technology, investment management is CHANGING But…
- 46. Every day… Greater insight and evidence is gained Old products become outdated Better products come out…
- 47. Every day… Greater insight and evidence is gained Old products become outdated Better products come out… The market evolves and your options improve
- 48. You can now access investments that use this Better outcomes Evidence theory Sound investment philosophy Robust portfolio structure Tight cost management Strong risk management Nobel prize winning research to get better outcomes Fact Not Fiction
- 49. This is known as passive investingor indexing
- 50. This is known as passive investingor indexing Index funds outperform of ‘traditional’ funds favoured by the ‘industry’ 97.8%
- 51. This means investing can now be Simple Successful
- 52. Considerthis... before you begin where you’re going Good financial planning is about working out
- 53. sensible It should always be integrated with investment management
- 54. education And begin with that helps manage your emotions
- 55. Thetruthis... Cutting your costs Improving your returns + = Positive Change+
- 56. a better life. Cutting your costs Improving your returns + =
- 57. There has never been a better time to be an investor…
- 58. There has never been a better time to be an investor… …Or to start planning your future… N
- 59. If your situation is simple you can do it all yourself! Goodnews!
- 60. Many books and tools can help you out Some of ourfavourites
- 61. If your situation is more complex, or you need a helping hand, our advice is:
- 62. If your situation is more complex, or you need a helping hand, our advice is:helping hand, our advice is: Choose the type of firm you deal with CAREFULLY1
- 63. RESIST the temptation to take investment OR financial advice from: 2
- 64. Someone you play golf with* (*Or party with, socialise with, belong to the same social circle as etc…)
- 65. Someone who comes to your house
- 66. Someone who cold calls you at work 2ABC 5JKL 8TUV 0 1 4GHI 7PQRS * 3DEF 6MNO 9WXYZ #
- 67. Someone who promises you quarterly reviews Click to learn why
- 68. Someone who predicts the markets
- 69. Someone you think of mainly as your ‘friend’
- 70. DO DUE DILLIGENCE Click here Here’s a list of the questions you need to ask
- 73. Oneday
- 74. … you will meet your future self Oneday
- 75. They’ll want to know what … to help with THEIRtoday YOUdid today…
- 76. Make sure they are pleased to meet you…
- 77. Make sure they are pleased to meet you… By taking action today!
- 78. HAPPY INVESTING!
- 79. THANK YOUCongrats for making it to slide 79! Contact us to learn more. click here Or read on...
- 80. MORE ABOUT US • We are an international Chartered Financial Planning Business. Our focus is on delivering better financial education to global expats and... • Values are what we value. You can learn more about our Culture HERE • We like to talk because of the importance of our mission in transforming peoples lives. You can hear what we say by clicking any of these:
- 81. REGULATORY STUFF • Risk warning: Investment into any investment portfolios should be regarded as medium to long term. The value of investments and the income from them can fall as well as rise. The value of your fund is not guaranteed and you may get back less than the amount invested, and you could lose part or all of your capital. Past performance is not a guide to future performance. Changes in exchange rates could affect the value of overseas investments. The effect of inflation could reduce the future purchasing power of your investments. • Regulatory information: For all of our authorisations and regulatory information, CLICK HERE • Copyright: Please feel free to copy or share any of our ideas or work as widely as you like. We think that the more people who engage and learn about good investment from us or others the better.