News & Articles

 

Important but rarely urgent

When I was reading the Pension Commissions report for last weeks article, I was struck (and angered) about how many pension reports and roadmaps I have read over the last number of years. Each on promised to do the same thing; address the looming pension crises that we all know is coming and getting closer […]

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The Finance Bill 2021 – The end of the AMRF

After Budget 2022 was announced a few weeks ago, the Finance Bill 2021 was published and it introduces some interesting pension reforms. The end of the AMRF The AMRF will be no more. This is something that we have been supporting for years and it is finally happening. We had been talking to the Revenue […]

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The Pension Commission Report

In 2018, the government published its Pensions Roadmap. We wrote about it at the time.  In the 3.5 years since it was published, none of the recommendations have been implemented. There was however an election in 2020 and the age for receiving the State pension was due to be increased to 67, so it became […]

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I want a Tesla

I don’t really. I’m not into car and if I was going to splurge on a car I would buy a Porsche Panamera. But Tesla’s are the car to be seen in these days so lets go with a Tesla Model S. It’s not cheap to look so stylish and you can expect to pay almost […]

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What do the different types of risk mean?

When working with clients on investment strategy, I will issue them with an Investment Policy Statement. This document will set out Bluewater’s investment philosophy, the clients own investment circumstances, our recommendation and fees. They then have to sign a Summary of Understanding and Declaration. The first point in this summary is that they understand that […]

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World Allocation Funds

September is a particularly busy time for reviews in preparation for the tax return deadline in mid November. At Bluewater, our investment portfolios are pretty simple. We use equities for growth and bonds or cash to dampen volatility. In carrying out our reviews, the poor performance of the bond and cash element stands out, especially […]

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Should companies be allowed to fail?

For over 50,000 years, Australia’s Indigenous Aboriginal community have managed the land through burning. Using fire has many benefits: Encourages native grasses to regenerate and produce new feed Reduces scrub and fuel to prevent intense bushfires Promotes biodiversity The same can be said of companies. Over their lifetime, companies can become bloated and inefficient. Once […]

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Revenue confuse tax treatment of ETFs

Over the 8 years I have been blogging, there is one article that I receive more emails about than any other. It is the blog I wrote in February 2017 on Deemed Disposal, an article that currently sits at the top Google on that topic. Irish investors are aghast in having to pay tax every […]

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Why your financial advisor shouldn’t be an early adopter

I grew up at a time when video players came out and it was exciting going to XtraVision to hire a film to watch it at home. When you walked into a XtraVision, the VHS tapes were kept on the left and the Betamax were on the right. Almost everyone had VHS but there were […]

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Do nothing

Warren Buffett once said “Lethargy, bordering on sloth should remain the cornerstone of an investment style.” Unsophisticated investors tend to adopt this investment strategy more than knowledgeable investors who can try to be too clever when markets are volatile. Take Rachel for example, who came to me looking for investment advice. She told me she had […]

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