7,271 – 520,000 – 11,000,000 In my newsletter at the start of June I cautioned that as lockdowns were eased globally the following weeks would tell a lot in terms of ongoing infection figures. As the World enters its sixth month of Covid-19, the numbers above represent respectively the daily …
From an investment management point of view, reduced risk has much to do with the historic perspective of locking in guaranteed rates from Government Bonds. Of course, on an historic basis, such lock-ins then were far more attractive than they are now as, in the past, interbank interest rates were …
Taking sides Without wishing to take sides, as all marriage breakdowns have their own unique circumstances, it sometimes transpires that one side quite often has a significantly unfair advantage in understanding the combined moving parts of investment assets, investment products, risk and reward trade-offs as well as the broader tax …
It’s that time of the year when everyone takes stock of what they should have done in the last year and what they really should do in the coming year. So if you are really going to get stuck into this area now, here are eleven questions to ask either your current …
“Should I Stay or Should I Go?” Some weeks ago we mentioned the dilemma that politicians worldwide faced on when and how to open up their economies. Those of you reading this update that are old enough to remember this song from The Clash in 1982 might also remember the …
When I mention that I am a Financial Planner to someone who doesn’t know me I sometimes get strange looks as if I am either someone from other space. Maybe it’s because the words “Financial Planner” have become confused in most people’s lexicon with terms such as “Financial Adviser” or “Financial Consultant”. It …
A key component of good financial management is the ability to control your costs. If you have ever run a business you will know this. Too much overhead and not enough income amounts to going bust. The speed of the insolvency is directly related to the degree of overspending. Family …
What is the difference between financial planning and financial advice? A little over nine years ago a new personal financial qualification, the Graduate Diploma in Financial Planning was introduced by University College Dublin in conjunction with support from the Life Insurance Association, the Institute of Bankers and the Institute of …
Stock markets are now at all time highs. Who would have thought that we would be saying that after the Global Financial Crisis back in 2008. Surely equity markets are now toppy? Many investors who went to cash around then have been too frightened to come back into the market …
Thankfully in Ireland aside from any additional life protection that Widow’s, Widower’s of surviving civil partner’s had in place to plan for the loss of income upon death, the State also provides two forms of pensions to persons who are bereaved, namely a contributory and non-contributory pension. Today’s insight will discuss the Contributory pension in depth.
