Category: Financial plan

Interest rates are finally being cut across developed markets. The European Central Bank met today and cut rates by 0.25% to 3.5%. The Federal Reserve is expected to cut US rates by the same amount, or maybe double, next week. And the Bank of England meets in a week’s time to consider the same question. … Continued

PRSAs can get complicated, but truth be told, many of us have the same questions.  Moneycube is here to help with our FAQ! From the benefits of a Personal Retirement Savings Account, to withdrawing it, and everything in between, here’s Moneycube’s rundown of everything you ever wanted to know about PRSA pensions in Ireland… but … Continued

August has begun with a strong selloff in global stock markets. What’s going on, and what should you do? Before we start: financial markets change all the time, reacting to events as they unfold.  This short briefing note represents Moneycube’s views as at 1000 on Tuesday 6 August and has not been updated since. What’s … Continued

Investors in risk assets will be pretty satisfied with the first half of 2024.  Most funds delivered sustained positive results.  Investors were rewarded in almost all asset classes, with equities up over 15% in Euro terms, bonds delivering continued yield, and gold and silver both reaching their highest prices in over a decade. Read Moneycube’s … Continued

My wife passed away recently and asked me to set up a form of trust fund for our four grandchildren, aged 18 months to eight years old. She didn’t want them to get access to this until they reach 28 years old. Who would be best to advise on this and where should it be … Continued

Silicon Valley is a storied part of the US economy, and even the American dream. It has been the birthplace of numerous world-beating businesses for decades, from Hewlett-Packard and Intel in the twentieth century to Nvidia and Apple today.  What’s made the San Francisco Bay Area so successful? Its success is built on a fertile … Continued

If you work for yourself, funding a self-employed pension is something that can get left behind.  There are plenty of competing demands on your cash, especially in the early years of trading.  Here’s how you can make a start on your pension if you’re in your 40s and self-employed. Some good news to begin with … Continued

My husband died recently, and for the first time in many years I am looking after my finances directly.  I am not under immediate pressure and have day-to-day income.  But our investment assets are now in my sole name, and longer-term, I want to have much better understanding of what is happening my money.  Where … Continued

Most people let retirement happen to them.  Typically, it happens following a big birthday. But it doesn’t have to be that way. These days, our jobs are often shorter in duration, and careers more flexible, with several iterations. There’s much more opportunity to control the time you’ll retire. So what would it take to be … Continued