Free Public Investment Talk – Dubai – 10th September, 2017

Andrew Hallam:  Free Public Investment Talk

Where: Dubai College

When: Sunday September 10th, 2017; 7:00 pm start time (A second session begins at 7:45 pm)


Session 1 (7:00 – 7:35 pm).  How much should you be saving for retirement?  This hands-on session helps you find an answer based on your personal goals.  Please bring access to WiFi so I can guild you to find your individual numbers.

Session 2 (7:45-8:45 pm).  Simple, smart investing (full description below).

Organized By:  Bogleheads (UAE):  A nonprofit group supporting financial education

Simple, Smart Investing (7:45-8:45)

Here is the facebook signup link:


Imagine this.  You’re thinking of buying a couple of avocadoes. The avocado supplier is visiting the supermarket.  He says, “These are the best avocadoes in the world.”  On the outside, they look great, so you put a handful in your basket.  But then you get home and cut one open.  It’s rotten to the core.


That’s what happens to most expats in the Middle East.  Only, they aren’t buying avocadoes.  They’re buying investment products.  They hope these products will help them in retirement.  But the investment products, like the avocadoes, are black and moldy inside.


Such products are sold prolifically.  In fact, if you live in the Middle East, and you own a stock market-related investment, odds are you own a rotten product. 


I’m guessing you already suspected that.  After all, global stock markets have risen a lot over the past five years.  Your money likely hasn’t.


In fact, if we measure the growth in U.S. dollars, the average global stock has gained 63.13 percent over the past five years (ending September 5, 2017).  The average U.S. stock has gained 87.78 percent over the same time period.


Five-Year Performance Of Global and U.S. Stock Market

September 8, 2012 – September 8, 2017

Source:  Morningstar

(Note, this has been edited.  The posted results, previously, did not include reinvested dividends)

If you measure investment results in British pounds, the growth was even higher.  Measured in British pounds, the average global stock gained 85 percent over the past five years.  The average U.S. stock gained about 109 percent over the same time period.


If you live in the Middle East, and you invested with a financial salesperson who sold you something rotten, you didn’t make anything close to that.  What’s worse, you probably can’t sell that investment without incurring a huge penalty. 


Please come to my talk at Dubai College on Sunday, September 10, 2017, starting at 7:00 pm. 


I’ll explain why you didn’t make much money (if you made anything at all).  I’ll show how you could invest on your own, or how to hire an ethical financial guide.  I’ll explain that fair investment products can be sold at anytime, without incurring penalties.


You deserve decent investment returns.  Let me show you how. 

Here is the facebook signup link:








Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School (2nd Ed. Wiley 2017) and The Global Expatriate’s Guide To Investing: From Millionaire Teacher to Millionaire Expat (Wiley 2015). My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I’m happy to comment on your questions. However, please read the Terms of Use, Privacy Policy and the Comments Policy.

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