Seven signs it’s not the time to retire

Seven signs it’s not the time to retire

One from the archives but a timeless classic, even if I do say so myself! Here are seven reasons to stay in the rat race a little longer.

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Is a DB Pension for Life?

Is a DB Pension for Life?

Do you have a defined benefit (DB) pension scheme? The buzz in the financial world is that there are attractive transfer values up for grabs if you were to bring an end to your defined benefit pension. But why would you? This morning I look at what you should you do if you’re offered a lot of money to transfer out of your DB.

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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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Are you going to end up old and broke?

Are you going to end up old and broke?

If you’re impacted by the snow this week, here’s a read to keep you occupied. We explore the issues with living too long – yes, you heard me correctly. Have a read and let me know if you know of anyone that has been faced with the challenges I outline.

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Hidden fees on pension schemes will erode your wealth

Hidden fees on pension schemes will erode your wealth

A couple of weeks ago I outlined my growing concerns for an industry that presents itself as trading on trust and transparency, yet nothing could be further from the truth. The FT is reporting that from January of next year, a new regulatory crackdown in Britain will force asset managers to come clean on hidden fees and charges. Finally.

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A happy marriage involves effective finances

A happy marriage involves effective finances

Every week I meet couples who openly discuss their financial affairs with me. It’s refreshing to see a solid team at work. This week’s article outlines some of the ideas that have been shared with me down through the years. We can all learn a little bit more when it comes to managing our finances with our significant others.

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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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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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