Technology is changing how we use financial services. It’s driving down costs, creating new ways to save your money and giving more control over your money.

Fintech’s exciting – but how can this digital disruption benefit you as an investor or pension save?

Our fintech and digital wealth blog discusses the changes that technology is bringing to Ireland.

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

Question of the month: should I invest in P2P lending in Ireland?

Peer-to-peer lending is the newest entrant on the Irish investment scene.  Should you put your money in it?  And if so, what part does P2P have in your wider portfolio? Moneycube examines your options. Before we start, a word of warning.  Peer-to-peer lending is not regulated in Ireland, and Moneycube doesn’t provide advice on it. … Continued

Investing with a direct debit: drip, drip, drip

Is there space in your monthly budget for a regular investment?  There are a lot of benefits to the drip-feed approach. It’s not long since you needed a large chunk of cash to start investing.  That’s changed now, and Moneycube can arrange investments from €250 per month. We’ve described some of the benefits of investing … Continued

5 money mistakes to avoid in your 40s

Your 40s are typically some of your peak earning years.  So how do you make the most of them?  Here’s our top 5 money mistakes to avoid in your 40s. All your wealth in property Many people in their forties have paid down the mortgage on their house and seen their salary go up, and … Continued

5 reasons you should avoid investments that charge early exit fees

For some reason, many people investing their money in Ireland get talked into investments which lock up their cash for five years or even longer.  Moneycube explains why most people should avoid investment plans that come with early exit fees attached. And if you’re considering a plan like this, we have some simple suggestions before … Continued

How to choose a financial adviser

Choosing the right financial adviser can save you a lot of time, money and hassle.  Here’s Moneycube’s 5 point guide to getting the help you need, the way you want it.  1. Who needs advice? Before you jump in, think carefully about where advice will really be valuable.  There’s no point in paying for something … Continued

Rabodirect’s closing – what are my alternatives?

So, after 13 years in Ireland, Rabodirect announced on 21 February that they are shutting the doors.  Moneycube outlines some alternatives for the hungry saver. What’s happened? Netherlands-based Rabobank will close down its Irish operation, Rabodirect, on 16 May 2018.  That gives its customers a bare 6 weeks to sort out an alternative home for … Continued

The best bank in Ireland is not a bank

Even the best bank in Ireland is charging you way over the odds for basic services. It’s well documented that Irish people and businesses pay more and get less from their banks, compared to other European countries.  (Take a look here, here and here for evidence). But now we know that Sparkasse, a major German … Continued

How robo-advice can help you build your wealth

Robo-advice is changing how people in Ireland build their wealth. We’ve been blogging on about robo-advisors, and how they can help you take charge of your finances. What’s robo-advice? Robo-advisors, or automated investment advisors, are platforms that use algorithms to handle parts of the investment process.  That reduces the need for human involvement.  It means cheaper, … Continued

How fintech is changing investing in Ireland

The Irish fintech scene goes from strength to strength, as this map, by the guys at Fintech Ireland, shows.  And Moneycube is doing its bit to introduce technology into the investing process. But what does the buzz about financial technology mean for your savings, investments and pension?  Here’s Moneycube’s guide to how fintech is changing … Continued