How to become rich by investing: rational Investing Based on Evidence vs Speculation

Everybody ought to have a comfortable retirement, and most people want more choices and freedom in life.

Many people want to get rich too, or at least be comfortable. The good news is that you can become a millionaire investing just $500-$1,000 a month, and a multi-millionaire investing $1,0000-$2,500 a month.

The bad news is that most people fail at investing.  Even some highly knowledgable investors fail, due to human nature. Like a doctor who can’t stop smoking or overeating, many knowledgable people can’t resist the urge to speculate, get greedy and/or feel fearful when markets are crashing.

I have consistently argued that it is good to have a two stage process.  First, read some of the evidence in the reading section of my website. If you think you can invest yourself, go ahead.

However, for others out there, I know you simply don’t have the time, to invest your own money, so would prefer an advisor to help set up a low-cost international account.

For those that need help, I can help set up accounts that are:

  • Easy and speedy:. Like you, I am frustrated by bureaucracy and time wasting. Time is money.  I am busy and I am sure you are too. My aim is to save you time and money by doing things online as quickly and effortlessly as possible.
  • Low account minimums: of $30,000 for lump sums, and $200 a month for long-term global retirement accounts.  On December 9, I decided to increase these minimums to $35,000 and $500 a month retrospectively from January 2019.
  • Low cost: 1% yearly fees.  0.75% on accounts above $250,000, and 0.5% on accounts above $500,000.
  • Based in UK and US Territory: or other locations that have good investor protections.
  • Globally available: for everybody except people living in Americans (American expats are OK).  Accounts are particularly useful for expats who are moving from country to country

The accounts aren’t for everybody.  They aren’t for people who prefer to speculate and take unneeded risks than to actually invest in a low-cost and long-term way. They aren’t for some others either as I explain in the article at the bottom of this page.

If you are open-minded about just rationally following the investing evidence, then this option is probably for you.  Join likeminded people from 100+ countries.  With a client 98% retention rate, I am sure you won’t regret the decision:

Don’t delay. Contact me directly about this article below or via email

Frequently asked questions (FAQs)

Where are you from?

The United Kingdom. Born in Scotland. Lived in England for most of my life before living overseas.

Where are your clients from?

Worldwide – over 100 countries.  I have clients from the UK, America, South Africa, Belgium, Sweden, Norway, Denmark, Taiwan, Mainland China, Singapore, India, France, Malaysia, Indonesia, Italy, Germany, UAE, Qatar, Hong Kong, Australia and countless other locations.

Do you have any client recommendations?

Countless. On LinkedIn and below;

“Before I knew Adam, I was a 35 year old without savings. I just spent as I went along, but I always wanted to have more financial freedom, choices and passive income.  Adam told me some hard truths, but in a polite way. Now I am on the road to being semi-retired or early retired within the next 10-15 years”.

David, living in the UK

“Adam,
You’ve ever been professional. always keen to find out the best tailored solution adjusted to my needs and requirements.
It was really a pleasure to have been one of your customer during the 5 last years in Cambodia.
Kind regards,
Philippe – Frenchman living in Cambodia and now Paris

“I have worked with Adam with regards to my own insurance and financial services and I would highly recommend him. Adam is detailed-oriented and I was very comfortable prior to and after the purchase of my policies and other products from him. He was straight-forward and to-the-point; I know he was always looking out after my best interests. I would highly recommend Adam’s services with regards to financial or insurance related services” – Chris, American in Japan.

What is the process like?

First step is a call or WhatsApp, so I can understand your motivation, budget and so on. If you want to go forward, I need a copy of your proof of address and identity due to international anti-money laundering requirements, alongside a completely application form. This can be done by email or online.

Then legal and admin will review the documents.  If everything is OK, the plan is live within 24-72 hours.

How long should I invest for?

It is up to you, but the longer you invest, the more you are likely to make.  Long-term market averages are 10%, but that is just an average.  Besides, your total returns will be affected by time even more than returns. To give you a simple example, if you invest $1,000 a month for 10 years, and you get 8%, you will have $181,283. If you get 8% over 30 years, you will have over $1.4M based on the same $1,000 a month assumption.

Do most of your clients meet you?

No, not anymore. When I was new to he investment industry many years ago, I met 100% of my clients.  I worked from a fancy $30,000 a month office.  I soon realized how inefficient the whole process was.

The high costs of the operation were passed onto the client. Clients, and advisors delayed. Physical application forms were needed – often by DHL which added costs and time!

Fortunately, the world has changed, now everybody seems to prefer to do things online. Time is money for you and me. My aim isn’t to just save you money, and make you money, but save you (and me) time as well.

So now I don’t meet clients face-to-face. However, when I am traveling, I do sometimes contact clients, more on a social basis.  A few months ago I met a South African (former expat) client for lunch who became a client in 2017 for dinner, because I was traveling to South Africa.

How do you usually contact clients and how can they contact you?

Email, Line, WhatsApp and various apps.  I always respond to clients within 24 hours, usually hours or even minutes.

How can I get rich investing?

Many people read forums on reddit, Quora and other online Q&A websites.  Too many people assume that get rich quick is easy. It isn’t. Get rich slow is far easier. The academic evidence, shown in the reading list below, is that investing relatively small amounts of money from a young age can make you a millionaire by middle-age or earlier.

What are your account minimums?

$500 monthly or $35,000 as a lump sum or currency equivalent.

I noticed your account minimums went up from January – why is that?

Supply and demand. I want to keep account minimums low for as long as possible, but smaller accounts were taking up a lot of my time. Therefore, I will gradually keep increasing account minimums.

What currencies are your accounts available in?

USD, British Pounds, Australian Dollars, Japanese Yen, and a few others.  Typically, it is easy to get a USD premium paid by debit or credit card, regardless of where you live.

How are premiums paid?

Debit or credit card for monthly payments, usually Visa or Mastercard, and bank transfer for larger amounts.

Do you represent any large banks?

Absolutely not.  I am independent.  If you go to HSBC, they will only offer HSBC products. Same with Bank of China, or any of the large insurance companies like AXA.  I can pick the best platforms for my clients.

What are the average returns?

Long-term averages have been 8%-10%, but that is merely an average. As an example, 2017 was +21%, 2018 was -6% and this year has been +6% in the first 3 months.  I can’t control markets. I can’t control geopolitical events.  I can’t control many things.  But what I can control is the fees, asset allocation and so on.

How do I check my valuations?

You get 24/7 online access to check how your investments are doing.

Where is money held?

Typically, UK or US Territory.

Do you hold client money in your personal bank account?

Never. The money isn’t going to my personal bank account. It is being held on international platforms.  So if I die tomorrow, that is irrelevant to your money. I am simply the advisor.   It is my job to motivate, advise the client and find some of the best platforms for them.

What are the biggest mistakes you see investors make?

Numerous. Market timing. Stock picking.  Delaying taking action.  Not focusing on the long-term. Focusing on get rich quick, or on the opposite end of the extreme, ben too cautious and untrusting.

Are there any types of clients you reject?

Yes. I can’t take people living in America due to legal reasons. I also reject some other types of clients as I explain in the article below.  Ultimately, any business relationship is a two-way trust relationship.

Many advisors have been hurt my online negativity, often because of selective memory as well! Fortunately not myself and I want to retain that reputation.

So to avoid that situation happening to me in the future, and to ensure that 1-2 clients don’t take up a disproportionate amount of my time, I created the article below.

Further reading:

  1. Which kinds of clients do I reject?
  2. Best Investment Books for beginners 

37 Replies to “How to become rich by investing: rational Investing Based on Evidence vs Speculation”

  1. Hi Adam – I am interested in this kind of account, especially as I am moving from country to country as an expat. But how does it work more specifically? I am interested in getting more information.

    1. Am Ethiopia, is there any way i can possibly have such account, Dear Adams? May monthly salary is 10400 ETB (385 USD). Need more info.

  2. Hi Adam,
    I lived & worked in Japan for 16 years…please send me your book via
    pdf
    Thanking you in advance & thank you for your honesty & simplicity.
    Marti

    1. Hi Marti

      Thanks for your message. If you have PayPal or another mechanism then it should be a fairly easy procedure.

      Thanks
      Adam

  3. Hi Adam,

    This indeed is an intriguing read with a bunch of valuae books.

    Is there a way for me to learn more considering the fact I am based in the Czech Republic?

    Thanks.

    Regards,
    Mykyta

  4. Hello there.

    I’ve always thought that is impossible to live from passives if you don’t have an initial big amount of money.

    I’ve read around here that starting young (I’m a poor 25 man) it’s worth. Could you help me with that?

    I could save around 150$ per month. How could I make it much bigger?

    I live in Spain, btw.

    Best regards 🙂

  5. Hi Adam,

    I am retired and live in Mexico. I’d like to know more about the investment service you provide.

    Thank you.

    Regards,

  6. Hi…I am 57years old female lives in India. Want to invest for my grandchildren. Please suggest me. I want to invest 4000 rs per month…….Thanks Sir

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