How to read an investment brochure and identify the risks

How to read an investment brochure and identify the risks

Today we are looking at the most important elements to an investment – the level of control, flexibility and vulnerability attached to your money.

This piece appears in today’s Sunday Times – be sure to pick up a copy.

Read More

How to know the difference between speculation and investing – turn down the noise

How to know the difference between speculation and investing – turn down the noise

Lehman Brothers failed 10 years ago this weekend. The contagion effect wiped out pension funds, the property market collapsed and investors ran for cover. But much of the narrative around the financial services industry is nothing more than noise. Can you tell the difference between sound advice and noise?

Read More

7 reasons not to invest your pension in property

7 reasons not to invest your pension in property

Property crashes, surprisingly low yields and often times unhelpful state intervention – just a few reasons not to invest in property. But have you considered the other reasons why you would not invest in property if you were starting over again?

Read More

This complicated approach to a relatively simple activity is holding you back

This complicated approach to a relatively simple activity is holding you back

A very warm welcome to all our new subscribers! In this blog, we tackle some of the reasons why you may be reluctant to invest and explain how an evidence-based investment strategy can put you on the road to successful investing.

Read More

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.

Read More

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.

Read More

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.

Read More

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.

Read More

If in doubt, do something.

If in doubt, do something.

There’s a reason why all the personal development and leadership coaches talk about the importance of taking action. Taking action breaks a mental deadlock. It helps us form habits. It gives us back control over an issue that may have us by the throat. This week we are looking at visual aids as a valuable tool in managing your personal finances more effectively.

Read More

It’s time to consider downsizing

It’s time to consider downsizing

A 2016 ESRI report named Ireland the ‘empty-nest’ capital of Europe, highlighting the fact that Ireland has more people living in homes that are too large for their needs than any other country in Europe. As your kids fly the nest, you might be starting to recognise that feeling. Maybe it’s time to free up some cash for retirement.

Read More