Category: Retirement planning

We’re always being told we should save more into our pensions, but how much is enough?  Here are three questions to ask yourself and help decide. 1. How much money will you need in retirement? Life is supposed to get cheaper in retirement.  The mortgage is paid, and the kids have flown the next. So … Continued

Most people’s investment and pension aims are pretty simple.  To build up a nest egg for a house, a car, an education.  And to retire with a pension that lets you maintain your lifestyle, and maybe travel or do more of what you like to do. Why should that be so complicated? Investing can be … Continued

Great news – you’re retiring and can take a tax-free lump sum.  But what should you do with the money? Moneycube identifies the three approaches to investing your lump sum. What’s the deal? The ability for holders of PRSAs and personal pensions in Ireland to take 25% of their pension as a lump sum on … Continued

Jan 2025 update: Our more recent post highlights the best investment opportunities for your money in 2025.   It’s time for Moneycube’s roundup of the best investments available in Ireland. Below we look at five funds we think have strong potential – in 2018 and beyond.  Remember all of these funds are available through our online investment … Continued

Moneycube believes we should all take control of our money. But that doesn’t mean you should do everything yourself.  Putting your investment plans together isn’t as easy as assembling a flat-pack (and even that gets complicated). Here are some reasons to think twice before getting your financial overalls on, and to consider web-based financial advice … Continued

Update 29 Jan 2020: Irish property funds under pressure as investors rush for the exit.  Read Moneycube’s view There’s no getting away from Irish people’s love of property investment. Now buying a house to live in might be increasingly difficult.  But commercial property investment funds offer you a bite-sized way to get financial exposure to … Continued

There is a lot of evidence that we postpone retirement planning because we find it too complicated and overwhelming.  Don’t.   When it comes to sorting your pension, you won’t sort it all at once.  What’s important right now is to start as soon as you can, obtain the tax advantages, and get into a … Continued

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

We all want to do what’s best with our money.  Figuring out what’s best is a little more difficult. For sure, no-one wants to be left feeling they made an investment that won’t perform.  But it’s just as important to avoid waiting forever for the “perfect” savings opportunity to come along. The trouble is, perfection … Continued