Mr. Hallam

This is a response to the first reviewer: Mr. Hallam doesn’t sell investment products, so it’s impossible for him to receive commissions. The firm that he strongly recommends (Vanguard) is run like a non-profit firm. Such firms don’t pay kickbacks because there’s no incentive for them to do so. Vanguard doesn’t pay commissions to brokers either. The reviewer mentioned JP Morgan as a firm that grew large, so it has to be good. I believe JP Morgan may sell better products than the reviewer does, but here’s a point. Just because a firm grows large (think Mars or Hershey) doesn’t make their products good for consumers. Broccoli is better. None of what Mr. Hallam says in his books is academically refutable. It’s supported by all peer reviewed financial academic papers. Hundreds of other books say the same thing. Try to find a book that challenges what he says. You won’t find one. Mr. Hallam also recommends non commission driven financial advisors in his books. They're the good guys, without conflicts of interest. Investor education will keep burning greasy palms.
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Andrew Hallam gets paid commission from AES for advertising their services and not slagging them off.


That Hallam guy has some serious breath, sort of dog turd, puke and *** smell fusion.


Lost a fortune on this man's advice. Conceptually it was sound; ie.

lower the cost of the investment, etc, however the cost of surrender and loss of bonuses now needs making up with this new investment and it simply cannot make up the ground.

Also, this new scheme will come with a significant tax disadvantage when compared to what I had not to mention the bank fees in sending money half way across the world. Nice man but should stick to teaching.


Hallam and Instone do fee-based flippas all the time, they pay them to do it up the vanguard, often at the same time. They don't use any regulatory protection because they like the idea that they might be infected with an ETF so they can go and get some low-cost treatment. True story.


double-teamed a couple of brass with him down the orch-towers, we did em bare-back cause he told me aids was a myth...., then he tried to sell me a book.


exactly the same happened with me and i told him that if by the millionaire teacher book he meant triple vag and double gary then i'm up for that but you have to promise me that once you've 'finished' you won't push your *** book, he then tried to not pay the girls because he said he needed to invest with aes - that dude loves a good roger moore but he's well stingy


This man is completely in the pockets of AES.


Actually very true and yet AES sell the very finanacial crack-rock that he slags off. Bunkmungus!


He is simply selling books and that means having to bag on the competitions to make a buck. Whether or not his brand of financial crack-rock is any better than what else is on offer, who knows.


Wow!! What a wonderful altruistic man Mr Hallam is, all done for no gain, so transparent he's see through!, after all millionaires become such by not making money out of what they do, ha ha.

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#734779 Review #734779 is a subjective opinion of poster.
Singapore, Singapore

Andrew Hallam - A wolf In Sheeps Clothing!!

Be warned about this guy who claims to be a millionaire expat after a few years of being a teacher and by writing a book on how to invest!! (obviously an expert then!) He talks a good game just like all the smooth talking finance guys out there but in reality he is churning clients out of perfectly good financial products and advising them to put the proceeds into other cheaper investments where he gets a kickback or should we say a commission!! This comes at a huge cost to the client and in some cases tens of thousands of dollars would be lost. I wonder, how long would it take with slightly cheaper funds and no advice to make back all those losses Andrew?? The fact that he bad mouths reputable companies and ridicules people clearly shows how unprofessional he really is and is simply using a fear tactic to get your money so he can line his pockets. Afterall selling a few books with some tips must be better vs multi billion dollar investment companies that have been around for centuries. Don't forget JP Morgan was one of the pioneers that built America and he was not shy of taking large fees for the business he conducted and look at what was achieved! I also noted the facts you state about fees on certain products and funds are fairly inaccurate, but i guess that must be because of your extensive experience as a financial expert. I think you should go back to teaching kindergarten. The world should really have less haters like this and we should be grateful for the great things we do have especially in America.
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A very bad man.


Not a fraud, but living like a monk and having no life in your 20's and 30's so you can save everything is not much fun (especially when you are house-sitting to avoid having to pay rent), then subsequently having an expat salary to save, may make you well off, but it does not make you an investment guru as is probably is a waste of life. Steve Jobs would have given up his fortune for more years on the planet - life is too short!

No kids to raise and no expenses may well lead to a healthy nest egg, but is it worth it? He seems to be having fun now, but his health hasn;t been the best and 20 of the best years sacrified when fun could have been had along the way and financial independence delayed for 5 years.

Underwhelming and advice that few could relate to. I give him a D+


Andrew Hallam is a very bad man. His wife deserves a lot better.


Sells books containing information available online for free yet talks about cost.


Advice was actually ok, he's not reinventing the wheel and the slagging off anyone with higher fees is a silly as you can always make something a little cheaper and a little worse, but nothing bad about the guy TBH. At the end of the day he was there to sell books and it was his angle which made him the author equivilent of the investments he was slagging off because he was selling info readily available for free.

As for his own fortune, living like a piker and saving all your money is a good way to accumilate wealth, as is having an expat salary and not spending anything. All a bit Meh!


Saw his seminar a few years back in Sing and he wasn't as terrible as people on here make out. The only issue I had was that outside of some of the obvious common sense he sprouted, he was highly critical of things he did not fully understand, yet he failed to acknowledge this knowledge gap and his advice in this regard was amateurish bordering on costly.

It was also clear that his angle was selling books, which made the whole thing somewhat disingenuous. Nice guy though.


This guy is a total fraud, having an expat contract and saving money does not maketh the expert. His advice cost me $$$$$


He's brilliant, he single-handedly managed to convince half the teachers here that they should cash in their plans on which they had already paid for a service on to DIY.

NEWSFLASH: It is always cheaper to DIY, not the point really.


This guy runs around telling investors how he is watching out for their best interests saying that they do not need IFA's as they are expensive and that they can do it themselves.

Now, I would be ok with that if this greedy double standards *** was also telling the investors, whose interests he held so dear to go onto the internet and get the information in his book for free as buying his book is expensive.

Or even better, to give his book away for free.

But he doesn't because when he's not trying to drum up business for AES, he's out there, slagging IFA's off to sell books. A 24 Carat butt-munch


I have read the stuff Andy puts out and to be honest, it is actually common sense for which he should not really claim credit for the teaching of. For example, give up the unnecessary expenditures and save from a young age, look for lower fees, be aware of unqualified advisers flogging expensive investments, etc., and you will have more money.

It is actually decent advice. Where it falls short is the naivety of the advice and the recommendations that I have seen with it, encouraging people to cut losses that have effectively been cut and ignoring other benefits of the investment vehicles. In his quest to sell books, he offers over simplistic and potentially damaging advice.

I have also seen him recommend those spank-artists AES so not overly impressed. I give him a C-

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#734377 Review #734377 is a subjective opinion of poster.
Watford, England
  • Doesnt really know his trade
  • Bad mounths all his competition
  • He is unprofessional
Reason of review
Bad quality

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