News & Articles

 

Should you de-risk your pension before retirement?

As people near retirement, they tend to de-risk their pension investment by moving it into bonds and cash before they mature their pension plan. But will most retirees investing in ARF’s post retirement, should they really be reducing their risk exposure at all? Annuity The idea to de-risk your pension came about originally when the […]

Read More

The future of financial advice

I have been working in financial services for 22 years and been advising people on their money for 20 of those years. There have been plenty of changes over that time but the biggest ones weren’t imposed by the Central Bank, they were imposed by the market, what people wanted. I worked for years under […]

Read More

What is of value to you?

Friends of mine were talking about coffee. What beans they use, whether they grind beans or use a French press or a moka pot. One of the coffee lovers was said he uses a Nicholas Mosse French press that cost €121. For someone who drinks Gold Blend instant and has a caffettiera that I bought […]

Read More

How much influence does a US President have on stock market returns?

We are just over a month away from the US presidential election between President Donald Trump and candidate Vice President Joe Biden. As divided as people’s opinions are on Donald Trump, clients are feeling a bit nervous about what direction the stock market will take after the election and what will happen to their savings […]

Read More

Time to start spending

You have spent decades diligently putting away money, always contributing to your work pension scheme, not spending all of your take home pay to keep your cost of living low. At times it was hard when there was a recession but you kept saving. Other times you saw others with a new car that you […]

Read More

Relative Income Hypothesis

In 2002, psychologist and economist Daniel Kahneman won the Nobel Prize in Economics for his work in behavioural economics. His book Thinking, Fast and Slow lays out his life’s work (it is a good read, but you need to approach it like you’d eat an elephant, one bite at a time). But I recently came […]

Read More

Should Big Tech be broken up?

For those of us invested in the stock market, we are amazed to see such a recovery from the sudden and violent shock of the world’s economy effectively being shut down. A lot of that recovery has been lead by just 5 companies, Apple, Microsoft, Amazon, Google and Facebook. They make up 23.7% of the […]

Read More

The luckiest investor in the world

In my last article, we meet Sean, the unluckiest investor in the world. We saw how whenever he had some money to invest, he got his timing all wrong. What you didn’t know what that Sean has a twin brother Luke. And unlike his brother, good luck seemed to just follow him around. Luke also […]

Read More

The unluckiest investor in the world

Sean is retiring today after 40 years of service with the same employer. When he joined in 1980, the country wasn’t in good shape and his employer struggled to keep going, never mind pay into a pension scheme for Sean. But as things improved, so did company profits, so his employer gave Sean €100,000 to […]

Read More

It’s easy to get distracted by the upside

Tech is where it is at at the moment. We are constantly hearing news of massive profits and growing share prices. We all want a piece of the action, a chance to make an easy buck. While we can get distracted by the upside, it is easy for investors to forget about the downside of […]

Read More