OUR MOTIVATION: One of the biggest gaps in social mobility to children, teenagers and adults, especially those from low social economic background is the lack of skills, knowledge and opportunities to unlock their talents and realise their full potential. For example, when a student does not have the required GCSE/A-LEVEL grades in Maths, English or IT and a mentor to provide guidance and support, he or she may find it challenging to secure an admission at his/her college, university of choice or an apprenticeship.
Therefore, that student or individual cannot achieve his/her goal to move to the next academic level or to earn,
learn and acquire lifelong employable skills - critical in facilitating his/her movement from a lower to a higher social-economic level. Hence, social mobility can only become a reality when these gaps in knowledge, skill and social capital are closed. Therefore, at A&F Tutors, our goal is to close these knowledge, skills and mentoring gaps through our private tutoring and mentoring services; with the goal of making a positive and lasting presence to the knowledge, skills, prospects and life of the child, teenager, adult or professional [be it academic, professional or personal.
Research studies by the Equality Trust shows that children of highly paid people are more likely to be highly paid and children of low paid people more likely to be low earners. Also, these findings reveal strong evidence that education is a strong driver of social mobility.
OUR MOTIVATION: One of the biggest gaps in social mobility to children, teenagers and adults, especially those from low social economic background is the lack of skills, knowledge and opportunities to unlock their talents and realise their full potential. For example, when a student does not have the required GCSE/A-LEVEL grades in Maths, English or IT and a mentor to provide guidance and support, he or she may find it challenging to secure an admission at his/her college, university of choice or an apprenticeship.
Therefore, that student or individual cannot achieve his/her goal to move to the next academic level or to earn,
learn and acquire lifelong employable skills - critical in facilitating his/her movement from a lower to a higher social-economic level. Hence, social mobility can only become a reality when these gaps in knowledge, skill and social capital are closed. Therefore, at A&F Tutors, our goal is to close these knowledge, skills and mentoring gaps through our private tutoring and mentoring services; with the goal of making a positive and lasting presence to the knowledge, skills, prospects and life of the child, teenager, adult or professional [be it academic, professional or personal.
Research studies by the Equality Trust shows that children of highly paid people are more likely to be highly paid and children of low paid people more likely to be low earners. Also, these findings reveal strong evidence that education is a strong driver of social mobility.
OUR MOTIVATION: One of the biggest gaps in social mobility to children, teenagers and adults, especially those from low social economic background is the lack of skills, knowledge and opportunities to unlock their talents and realise their full potential. For example, when a student does not have the required GCSE/A-LEVEL grades in Maths, English or IT and a mentor to provide guidance and support, he or she may find it challenging to secure an admission at his/her college, university of choice or an apprenticeship.
Therefore, that student or individual cannot achieve his/her goal to move to the next academic level or to earn,
learn and acquire lifelong employable skills - critical in facilitating his/her movement from a lower to a higher social-economic level. Hence, social mobility can only become a reality when these gaps in knowledge, skill and social capital are closed. Therefore, at A&F Tutors, our goal is to close these knowledge, skills and mentoring gaps through our private tutoring and mentoring services; with the goal of making a positive and lasting presence to the knowledge, skills, prospects and life of the child, teenager, adult or professional [be it academic, professional or personal.
Research studies by the Equality Trust shows that children of highly paid people are more likely to be highly paid and children of low paid people more likely to be low earners. Also, these findings reveal strong evidence that education is a strong driver of social mobility.
A new sphere of one-to-one tuition
Education Consulting Firm with a Holistic Approach in ADDING VALUE through 1-2-1 private tutoring, mentoring, coaching and using education as a tool to promote social mobility
What is Financial Education?
Financial education simply means having the ability or knowledge to make a financially responsible decision.
Importance of Financial Education
Stock Market Update & News Letter
Issue - 3
Jan - 2026
International Stocks Quietly Outperformed the S&P 500 in 2025 — Here’s Why It Matters for Your Portfolio in 2026
Most U.S. investors missed a major shift last year…
While the S&P 500 delivered a solid 18% return, international markets (ex-U.S.) returned 32%, and several export-driven economies massively outpaced both:
• 🇰🇷 South Korea: +95%
• 🇧🇷 Brazil: +49%
• 🇯🇵 Japan: +26%
Example of Standout International Equity Performers (2025): See photo and video below
📸
This performance wasn’t luck — it’s the result of shifting macro and valuation dynamics:
✔ Lower global interest rates
✔ Fiscal stimulus in Europe & Japan
✔ Earnings acceleration
✔ Stabilization in China’s AI/cloud sectors
✔ Attractive valuation discounts
✔ Weaker U.S. dollar boosting returns
To put valuation into perspective:
🇺🇸 U.S. equities trade at ~23x forward earnings vs 🌍 ~15.6x internationally.
That valuation gap represents opportunity.
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💡 What This Means for Investors in 2026
This isn’t just diversification for “safety.”
International exposure is now return-enhancing, especially across:
• European quality & value
• Japanese industrial reform plays
• Chinese AI, biotech & cloud infrastructure
• Brazilian electrification-linked commodities
• Indian private-sector banking
Institutional portfolios have been reallocating globally for years.
Retail investors are only now catching up.
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📌 If You’re Serious About Building a Smarter Global Portfolio in 2026…
📘 Get my book on Amazon:
👉 https://amzn.eu/d/bL3GFGH
🎓 Join our Stock Market Millionaire Training Courses
🌐 www.aandfcapitaladvisors.com
👥 Become a member of the A & F Investment Club
(Where serious investors build real strategies—not speculation)
📧 Email: admin@aandfcapitaladvisors.com
📞 Contact: +44 7535 442890
⸻
I don’t chase stocks.
I build portfolios designed to survive volatility and compound for decades.
If you want to invest like an institution—not gamble like a trader—let’s talk.
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Risk Disclaimer
All investments carry risk. Past performance is not indicative of future results. Nothing in this post constitutes personalized financial advice. Always conduct your own due diligence or consult a licensed professional before making investment decisions.
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Hashtags for Reach
#Investing #InternationalMarkets #GlobalEquities #PortfolioConstruction #FinancialFreedom #EmergingMarkets #StockMarketTraining #InstitutionalInvesting #ValueInvesting #SmartMoney #WealthBuilding #MillionaireMindset #AIInvesting #Compounding
Financial education or financial literacy is becoming very important for individuals and families, especially those with limited income. When you are a student, graduate, a professional or a parent, learning how best to balance budgets when making decisions like:
- Pay students loans and bills
- Buy a home
- Fund children’s education
- An income before and during retirement.
As there is an increase in the cost of living, austerity measures cap on benefits/allowances etc, people and families are having to make tough money choices daily. Most people lack the ability and knowledge to make informed and better financial decisions. Individuals and families are obliged to make financial decisions without having the right training to companies or financial demands.
“Our attitude towards is perhaps the biggest barrier to effective money management, ability to save money and acquired financial security and freedom.” – Aloysius Y Fontama.
It is our mission at A&F Tutors to level the playing field. We do this by using tried and tested techniques to help young people, adults and professionals. We change their negative attitude towards financial issues to a positive one through, customised personal development programs.
Upcoming Stock Market Investment and Trading Master Class for Kumasi Tech University Students
Stock Market Trading and Investment Packages For Every One
We use workshops, 1-2-1 mentoring sessions, reflective practice, online sessions, personal development books alongside customised activities to help children, young people, adults and professionals bridge the gap between financial theories and practice by
- Teaching them about why and how to save and what percentage to save
- Teach them about the importance of compounding in acquiring financial security
- Impact of borrowing on individual/household finances
- Types of financial risks and fraud related money issues and how to protect yourself
Are you a student who wants to buy a house using your student maintenance loan?
Do you want to learn how to make money, keep money and invest money?
Do you want to invest in the Stock market?
Please do not hesitate to contact us on our ‘Contact Us’ form to find out more information on how we can support.
To schedule a call with one of our team, please fill in your contact details
201 Borough High Street, London, SE1 1JA
T: +44(0)7535442890