Resolutions 2018

New Year Resolutions are not just for January! Here are some suggestions for a monthly financial to-do list that doesn’t go by the wayside. January For many of us a desire to finally ‘sort out my money’ makes its annual appearance so start by jotting down your key...

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The Money Smart Investment Philosophy

Investing money demands care and consistency. Our investment philosophy consists of six golden rules based on global best practice which we apply to every client portfolio. 1. Have a Plan and a Process A stable decision-making process through boom and bust eliminates...

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2017 : The Year In Numbers

1,700% … the bubble-like rise in Bitcoin so far in 2017. €50,000,000,000 … the cost to the UK of Brexit (and that’s only the divorce bill). 500,000 … people at Trump’s inauguration in January, or was it 1 million, or maybe 5 million? €222,000,000 … PSG paid Barcelona...

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Probate In Ireland

It’s not a subject we like to dwell on but it is important to know what happens to our money after we die. Knowing the processes involved (and how long they take) is a great motivation to structure our finances in a way that makes it as easy as possible for our...

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What Is An Annuity?

Many people will have heard pension conversations mention the words Annuity and ARF without understanding (or not being interested in) what they actually mean. So here goes. When you retire your pension fund first provides you with a tax free lump sum. You will...

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How Much Do I Need To Retire?

A question I get asked countless times is, how much do I need to retire? While there is no exact answer, and certainly not one figure that applies to everybody, there are two methodologies we can use to come to a conclusion. The Salary Method You’ll probably have seen...

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How To Spend

Reading media reports about Johnny Depp’s financial woes (he has allegedly come close to bankruptcy despite earning $650 million over the last decade or so thanks to a serious spending habit) it brings to mind a question we all ask, what’s the right way to spend...

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My 4 Unbreakable Rules Of Investing

As we watch global stock markets once again hit all-time highs, a perennial question is, how can we become more successful investors? My simple answer continues to be, stick with my 4 golden rules below. 1. Don’t Hoard Cash Cash should be for very short term savings...

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What’s Your Financial Personality?

We all have very different ideas about what money means to us and we have many different, often damaging, psychological biases that impact how we make money decisions. Knowing our financial personality is the first step to making better decisions. So which one are...

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