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How Retirement Ready Are You?

Have you planned thoroughly for your retirement and are well on your way to enjoying a secure and comfortable retirement, or perhaps it’s time to take a closer look at your retirement plan and make necessary adjustments to secure your future? Take our fun quiz to find out!

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What to Expect from the Upcoming Labour Budget: Key Considerations for UK Expats

With UK finances in quite a pickle, the upcoming Labour budget is expected to bring significant changes, especially in areas like taxation, pensions, and inheritance planning.  As a British expat, these changes could have a serious impact on your financial planning.  While it is always a good idea to review your financial plan regularly, the proposed changes make it especially important to reassess how you manage finances. In this post, we’ll take a closer look at the…

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The 4% Rule Explained: Is It Right for Your Retirement?

When it comes to planning for retirement, one of the most important questions you will face is:  How much can I safely withdraw from my pensions and investments each year without risking running out of money? Answering this question is at the heart of the concept known as the “safe withdrawal rate.” Understanding the Safe Withdrawal Rate The safe withdrawal rate (SWR) is a guideline used by retirees to determine how much they can withdraw from their retirement…

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How much money should I have saved for retirement?

Unfortunately, there is no reliable rule of thumb when it comes to the amount of money that should be saved for retirement. It all depends. Every situation is unique, so this number is different for every person, and it depends on your individual circumstances.

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Expat retirement planning: Beware the silent assassin

Are you in danger of letting your expat retirement plans fall prey to a financial assassin? It is always prudent to have a reasonable amount of cash on deposit to cover emergencies and short term expenses. However, having too much of your portfolio in cash can lead to, at the least, a loss of purchasing power in retirement and at the worst, you running out of money in later life. Why? Due to inflation.

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If it is too good to be true… How to learn from past investment scams

There was a story on the BBC website last week about a couple who invested their pension fund in a firm producing truffle trees; not surprisingly, the story didn’t end happily. The story reminded me of a similar incident involving the equally exotic Quadris Environmental Forestry Fund. This fund, which was launched in 2001 and was managed by a company called Floresteca, invested into teak plantations in Brazil. In total, they invested more than GBP100 million from 1,200 people

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The information in this material is intended for the recipient’s background information and use only. It is provided in good faith and without any warranty or, representation as to accuracy or completeness. Information and opinions presented in this material have been obtained or derived from sources believed by AES to be reliable and AES has reasonable grounds to believe that all factual information herein is true as at the date of issue. It does not constitute investment advice, recommendation, or an offer of any services or products for sale and is not intended to provide a sufficient basis on which to make an investment decision. It is the responsibility of any persons wishing to make a purchase to inform themselves of and observe all applicable laws and regulations. Unauthorised reproduction or transmitting of this material is strictly prohibited. AES accepts no responsibility for loss arising from the use of the information contained herein.

 

‘AES’ refers to the AES Group’s separate but affiliated entities generally, rather than to one particular entity. These entities are AES Middle East Insurance Broker LLC registered with the UAE Ministry of Economy, United Arab Emirates, Licence no. 571368, and Commercial Registration no. 75162 and regulated by the UAE Central Bank license no. 189; AES Financial Services Limited, incorporated and registered in England and Wales with company number 06063185, authorised and regulated by the UK Financial Conduct Authority FRN: 464494; AES Financial Services (DIFC) Ltd, registered in the Dubai Financial Centre (DIFC) as a foreign company, license no.2128, and regulated by the Dubai Financial Services Authority (DFSA) Reference No F003476; AES International Limited, a private company incorporated and registered in the British Virgin Islands with company number 1839872; AES International Global Limited, a private company incorporated and registered in the British Virgin Islands with company number 1887885. Please visit our authorisations page for further information on regulation, redress and accessibility.

 

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RISKS

Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investment, when redeemed, may be worth more or less than the capital invested. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful.

 

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