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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

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

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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

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

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Dublin docks

RSUs in Ireland: Should you keep or sell your shares?

If you work for a multinational in Ireland, there’s a good chance part of your pay doesn’t just arrive in cash. Instead, it arrives in company shares, often termed RSUs. Twenty years ago, this was relatively uncommon outside senior management.

Woman 40s pension pic

5 ways you can build a solid pension in your 40s

Feeling guilty about your pension in your 40s? Don’t. Fact is, many people in Ireland reach their fifth decade before they really start to think about how they’ll afford life when they stop working. The good news is that if

how much life assurance do I need

Question of the month: how much life assurance do I need?

My partner and I are in our mid thirties and expecting our first baby. So we’re thinking about life assurance for the first time. My partner has some cover through work. I’m self-employed through a personal service company as a

Midyear market review 2026

Moneycube’s midyear market review 2026

At the start of the year, we suggested that AI excitement would spread to new markets, that interest rates could rise, and that alternative assets would offer portfolio resilience in a volatile environment. Well, that all proved correct – and

Diageo Guinness share price

Is Guinness-owner Diageo turning a corner?

Post-pandemic, Diageo looked like the perfect consumer goods company. The Guinness owner, whose stable of brands also includes Baileys, Smirnoff and Johnnie Walker, benefited from a powerful combination of premiumisation, strong global brands and resilient consumer demand. At its peak

ECB raises interest rates

ECB raises interest rates: how are you affected?

The European Central Bank (ECB) has raised interest rates by 0.25%, increasing its key deposit rate to 2.25%. The move was widely expected by financial markets, but it still represents a turning point after nearly three years of steady or

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