A former bankers’ epiphany about the futility of his Wall Street career

A former bankers’ epiphany about the futility of his Wall Street career

This week we look at a relatively unknown approach to investing in Ireland – passive – or as one company likes to call it, evidence-based investing. Perhaps it’s time to put the excessive fees of active management to bed once and for all.

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Things to consider before buying property through your SSAP

Things to consider before buying property through your SSAP

“I want to buy a property through my pension” came the statement from my client. “Okay, but what’s the ultimate goal?’, I asked. “Return” was the answer. We delved a little deeper and it turns out the client shuddered to think about the hassle attached to owning rental properties. If you want to buy a property for “return”, you may as well familiarise yourself with all the options especially through a pension structure.

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If you think marriage is expensive, try divorce

If you think marriage is expensive, try divorce

August is one of the top months for divorce filings. Though somewhat uncommon in Ireland, divorces and separations do take place, often times leaving the parties emotionally drained and in poor financial health. This morning, I point out a couple of the pitfalls to be aware of and one big take-away: after a good solicitor, get a good financial adviser.

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Should I gift money to our children now?

Should I gift money to our children now?

I answer a number of questions from readers in today’s Sunday Independent. For the couple that have clearly defined incomes in retirement, maybe it’s time to start gifting money to your children now? I ask if owning shares is all it’s cracked up to be, and whether overpaying on your tracker mortgage actually makes sense.

If you have any questions you’d like addressed, simply hit reply to this email.

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