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US debt ceiling negotiations: should you react?

The countdown continues. Today US Treasury Secretary Janet Yellen set a date of 5 June as the final date to raise the US debt ceiling. Failure to raise the limit by then will mean the US government would begin to

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How much can I afford to put in my pension?

If you’re asking ‘How much can I afford to put in my pension?’ when there’s a cost of living crisis, challenging market conditions, and rising housing costs, you’re not alone. Fact is, there is too much guilt around pensions. We’re

Investing in artificial intelligence ChatGPT on iPhone pic

Investing in artificial intelligence

Forget bitcoin and the metaverse… even tech firms more generally have had a tough time of it over the last 18 months. But 2023 is surely the year where AI, artificial intelligence, has got real attention. So should you be

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Question of the month: How do I choose between taking an annuity or ARF when I retire?

I’m 64 and I’m about to retire soon. I’m on a defined contribution pension scheme with my company, and my employer’s pension provider is asking me to choose between buying an annuity and an approved retirement fund. I find the

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When will interest rates go down – and what does it mean for your savings?

Inflation in the Eurozone seems to be going in the right direction, falling to 6.9% in March 2023, down from 8.5% the previous month. What does this mean for interest rates, and your savings and investments? Inflation is still too

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Question of the month: should I buy shares in BP?

I have a portfolio of shares (€35k). It is balanced through different sectors. I like receiving dividends, especially from my BP shares, which I bought after the Deepwater Horizon tragedy. I have a cash lump sum (€40k) sitting on a

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SpaceX IPO

SpaceX, OpenAI and Anthropic IPOs: Should I invest?

Three of the most talked-about companies on the planet – SpaceX, OpenAI, and Anthropic – are preparing to list on public stock markets (known as an initial public offering, or) within the space of a few months. For the first

Emerging markets: should you own more?

The last decade has largely belonged to US equities, particularly the technology giants that have come to dominate global markets. Buy a global equity fund and a large chunk of your money ends up in the United States, particularly the

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What’s going on in the bond market?

Over the past few weeks, bond market yields on long-dated government debt have risen to levels not seen since the eve of the 2008 financial crisis. The US 30-year Treasury yield briefly touched 5.2% — the highest since 2007. UK

Savings and investment account: will it happen, and what should you do meantime?

The Irish Government’s mooted saving incentive scheme has already generated a fair amount of chatter. What are we actually looking at here, and how seriously should you take it? What is the Savings and Investment Account? The proposed Savings and

Ward of court investment changes

Investment options for a former ward of court: what’s changing and what should families consider?

Ireland’s ward of court system is undergoing significant change, with important implications for how assets are managed and invested. For families and those responsible for financial decision-making, the shift raises both practical and strategic questions. Here’s Moneycube’s guide on what

Investing in inflationary times

Inflation has a habit of exposing weak spots in investment portfolios. Back in 2022, we saw something many portfolios weren’t built for: both equities and bonds falling at the same time. For decades, bonds were expected to act as the

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