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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 the chart above).  You then plan to leave it some time to do its work, growing … Continued

Auto-enrolment – the practice of automatically signing up workers to pay into a pension – is coming to Ireland – likely next year. There’s no doubt it’s a positive development for the people of Ireland, and the affordability of pensions in the decades to come. Legislation to make it happen is inching through the Oireachtas, and … Continued

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 markets and government bonds but don’t know access them.  What low-risk options are out … Continued

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, why would you want to invest in one?  What are the advantages… and the risks? … Continued

Is the stock market getting more volatile?  Or does it just seem that way?  And what should you do about it? There’s no doubt the 2020s have been chock-full of shocks so far. We might have hoped for a roaring twenties… in fact we’ve had pandemics, war, and shortages driving inflation. For sure, the world … Continued

Zurich Prisma funds are one of the best-known multi-asset ranges in Ireland. Against comparable funds, they are consistently at or near the top of their peer group. In fact, around 100,000 people in Ireland have invest in Prisma. So what are Zurich Prisma funds, how do they perform, and should you invest in them? What … Continued

I keep reading that a system for automatically enrolling workers in a State pension system is imminent, but it never seems to arrive.  As a result I’ve held off starting a pension until auto-enrolment is available – is that wise?  I’m a top-rate taxpayer in my late fifties, so paying 52% tax plus PRSI and … Continued

Receiving an inheritance can be life-changing.  It can be unexpected, of uncertain timing – and can come with a lot of emotion attached. A lot of people feel an obligation to ‘do the right thing’ when considering how to invest an inheritance. But what’s the right thing? If you’ve inherited money – or received a … Continued

For much of the 2010s, investors stuck loyally to TINA.  The mantra was that in an era of rock-bottom interest rates, There Is No Alternative to investing in equities. But with central bank interest rate hikes over the last three years, investment wags pointed out that TARA had arrived on the scene: There Are Reasonable … Continued