Increased Standards in Financial Services Start With You

Increased Standards in Financial Services Start With You

I came across a case two and a half years ago that crystallised my view that the financial services industry is made up of product sellers acting in their paymasters interests in the first instance. Let me tell you about Peter, who got a 20-minute meeting with a broker about one of the most important decisions in his life. Nothing has changed in my mind since then. Stick with this, it’s a long one today.

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7 signs it’s not the time to retire

7 signs it’s not the time to retire

Don’t pack it all in just yet. Hitting retirement age doesn’t necessarily mean it is in your best interest to retire. Here are 7 reasons it may be better to stay in the rat race a little longer.

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Run for the hills when you pay off your mortgage

Run for the hills when you pay off your mortgage

As AIB introduces Máire, another happy person who’s made it to the end of her mortgage, I wonder what the transition will be like from having no choice over where that money is going to having total discretion. Having been tied to a bank for 20 plus years, I only hope she hasn’t developed Stockholm Syndrome.

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Enda Kenny’s number is €3 million, what is yours?

Enda Kenny’s number is €3 million, what is yours?

Did you hear that on retirement our Taoiseach Enda Kenny will get a pension worth €3 million? If you’re anything like me, you’ll be comparing that figure to your own. This week, I’ll explain why it really doesn’t matter what he or anybody else retires on, even you, unless you know one very important thing.

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Tell me about your investment philosophy

Tell me about your investment philosophy

It is vital to take control of your own investment philosophy. Don’t pay someone else to make investment decisions on your behalf based on their own beliefs and philosophies.

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Did you hear the one about the three pension advisers…?

Did you hear the one about the three pension advisers…?

Think again if you believe you are the only one benefiting from all the money you are putting into your pension! Beware of what could be lost to the broker, tax advisor and the pension provider.

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Dear 30-year-old me, get the finger out

Dear 30-year-old me, get the finger out

Don’t know how much you need to put into your pension? That’s fine. Mull over these questions to help you achieve your retirement goals.

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The Demise of the Defined Benefit Pension Scheme – a four-step guide

The Demise of the Defined Benefit Pension Scheme – a four-step guide

As the Defined Benefit Pension schemes disappear, it is necessary to consider next steps to deal with the transfer funds. Here are 4 considerations to bear in mind to help you with your decision.

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Are you going to end up old and broke?

Are you going to end up old and broke?

Living longer is great for you and your loved ones. However, it might not be so great for your finances. Here are a few suggestions to help ensure that your finances can cover your longevity.

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Goals aren’t just for footballers

Goals aren’t just for footballers

Setting goals for your life and finances is easier than you think and can help you achieve financial freedom and happiness.

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