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Starting a pension when you’re self employed and in your 40s

If you work for yourself, funding a self-employed pension is something that can get left behind. There are plenty of competing demands on your cash, especially in the early years of trading. Here’s how you can make a start on

Finances after bereavement pic

Question of the month: How do I start looking after my finances after bereavement?

My husband died recently, and for the first time in many years I am looking after my finances directly. I am not under immediate pressure and have day-to-day income. But our investment assets are now in my sole name, and

Accelerate your retirement

What would it take to accelerate your retirement?

Most people let retirement happen to them. Typically, it happens following a big birthday. But it doesn’t have to be that way. These days, our jobs are often shorter in duration, and careers more flexible, with several iterations. There’s much

What is rebalancing chart

What is rebalancing?

Rebalancing is the process of adjusting your investments between different types of assets. It’s best explained by an example. Imagine you had originally bought a portfolio of investments, split 50:50 between company shares and bonds. (See the left-hand bar on

Low-risk returns

Question of the month: what are my options for a low-risk return on €300,000?

I have €300k in cash and want to put the money to work in the short term until I have a longer term plan. Clearly there is little interest to be had from the Irish banks. I have heard about

Money market funds - woman at laptop pic

Investing in money market funds

Investor interest in money market funds has exploded in the last 18 months. In 2023, global value of funds in the money market increased 17% to US$ 9.9 trillion according to ratings agency Fitch. So what’s a money market fund,

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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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