A financial plan isn’t just a monthly budget. It’s a roadmap to financial freedom, confidence and security.

From how to choose a financial advisor to understanding common financial terms, our financial planning blog will help you move towards your financial goals.

Please remember that this blog is not financial advice. To receive advice using Moneycube, click here to contact us.

Handle target-date funds with care as you approach retirement

When it comes to investing for retirement, target-date funds (also called lifestyle funds) promise a neat, no-fuss solution. You simply pick a fund aligned with your intended retirement year – say 2035 or 2045 – and the fund takes care of the rest, automatically adjusting its mix of stocks, bonds and whatever else over time. … Continued

Accessing your pension early: the costs and risks

Pensions are built for the long haul, to provide a decent income when you stop working. So accessing your pension early needs to be approached with care. In recent years, there is international evidence that more people are considering dipping into their retirement savings early. In the US, Vanguard found one in 20 pension savers … Continued

Moneycube’s midyear market review 2025

Investing your money in the first half of 2025 was a lesson in the basics.  If you chose to spread your money among different geographies, asset classes and industries, and stuck to your plan, you’ll have done all right. If you made major changes, things could have gone either way. On any given day, things … Continued

What’s your financial Plan B?

In Ireland, we’re no strangers to economic ups and downs. From the property boom — and bust — and the recent inflation surge, we’ve seen how financial plans can go off track. Even the best-laid financial plans can hit a bump in the road. Hot investment ideas can cool off. Pay rises may not keep … Continued

What Warren Buffett got right – and what that means for Irish investors

Warren Buffett, often regarded as the greatest investor ever, announced his retirement earlier this month. His strategies at Berkshire Hathaway, the company he took control of in 1965, have consistently outperformed the market. According the company’s 2024 annual report [pdf], the overall gain for shareholders since that time is 5,502,284%! For Irish investors aiming to … Continued

Question of the month: how strong is your financial resilience?

The world – and investment markets – can seem a volatile place right now. Global markets are adjusting to tariff announcements and reversals, changing interest rates, geopolitical tensions, and a shifting economic landscape.  That’s unlikely to change anytime soon. In times like these, financial resilience – your ability to withstand shocks and recover from them – is … Continued

Should you reduce the S&P 500 in your portfolio?

When it comes to investing, it’s tempting to stick with what’s familiar — and in the world of global equities, the S&P 500 is about as familiar as it gets. But if your portfolio leans heavily towards this index, it might be time to rethink your diversification. Here’s why — and how — to take a … Continued