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Annuity or ARF pic

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

When will interest rates go down pic

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

BP garage at night

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

Silicon Valley Bank collapse pic

What does the Silicon Valley Bank collapse mean for investors?

For most people in Ireland, memories of bank collapses are still raw. So it’s no surprise the Irish government and others are paying special attention to news of the collapse of US-headquartered technology lender, Silicon Valley Bank. Here’s our briefing

UK state pension Sunday Times 230129

Window is closing on last chance to maximise UK state pension

If you live in Ireland but worked in the UK during your career, there’s a good chance you’re entitled to the UK state pension as well as your Irish one. As the rules will change soon, you must act fast

Apple Watch timer - financial health check

60-second financial health check

Are you financially fit? Here’s Moneycube’s one-minute financial health check to help you take the pulse of your finances. Is your money working for you? Spring 2023 has seen a marked rise in volatility in the markets. There are winners

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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

Question of the month: Investing or overpaying a mortgage – which is the best use of €10,000?

Knocking years off your mortgage is not always the most efficient use of your spare cash. We’ve been speaking to the Sunday Independent to explain why. We ran the numbers on four options: keeping your cash in the bank, paying

Navigating the Iran crisis

War is a human crisis, much more than a financial one. Without wanting to diminish that, this article focuses on how markets are digesting the effects of war in the Middle East. It is clear that the immediate effects are

Moneycube acquires OMAC Mortgages and Finance

As covered in today’s Irish Independent, Moneycube is pleased to announce the acquisition of Clondalkin-based OMAC Mortgages and Finance. The acquisition is a key step in broadening the Moneycube group of companies’ service offering, and bringing our investment advisory capabilities

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