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
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
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
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
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
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?
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.
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
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
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
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
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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