Archive for the 'Investments' Category

You can't sell half a room

You can’t sell half a room

People in Ireland really love property. It Despite all the horror stories of people being stuck in negative equity on properties bought in Celtic Tiger for years and many of them never getting back to their original price, many still prefer to buy a property on a little island on the outer edge of Europe. […]

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A snap shot of the highs and lows of investing

A snap shot of the highs and lows of investing

2021 was a great year for investors. The stock market was just going up for most of the year as the world economy was coming out of the Covid 19 panic. If you had invested in the Global Stock Index, your money grew by 30.98%. Think of that, if you invested €100,000 at the start […]

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State savings increase rates

State Savings increase rates

Interest rates have shot up over the last couple of years as Central Banks struggle to get inflation under control. At time of writing, the ECB are expected to increase rates further today. While this is bad news for mortgage holders, increased rates is supposed to be good news for deposit holders. Except Irish banks […]

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Keep it simple

Keep it simple

I went to the Dimensional Science of Investing conference in October 2014. Conferences are usually pretty boring but this one was enlightening. Held over two days, they didn’t talk about funds but where returns come from (for advisors reading this, if you haven’t been to it, get yourself an invite to one). After that, I […]

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Do we need to redefine the term investment risk?

Do we need to redefine the term investment risk?

We talk to clients about investment risk all the time. But the whole system around investment risk is wrong and it is doing a disservice to clients and it is resulting in them losing money. ESMA Ratings Life companies use the ESMA rating system to assess the risk of their funds. There is a rating […]

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Trust the experts

Trust the experts

There was an online pile on recently when podcast host Joe Rogan challenged the Dean for the National School of tropical Medicine, Professor Peter Hotez to debate anti vaxxer Robert Kennedy Jr. Twitter owner, Elon Musk, then threw his weight behind Rogan and Kennedy. What did Hotez do? He accused Rogan of broadcasting disinformation on […]

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Caveat Emptor shouldn't be a tag line for investment advice

Caveat Emptor shouldn’t be a tag line for investment advice

A couple of Friday’s ago, while cooking dinner on the barbeque, I was flicking through Twitter on my phone. One tweet read that a liquidator had been appointed to Blackbee Investments in Cork. While I never used any of their products, I have a client who invested a considerable amount of money into one of […]

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What is happening with the banks and should I be worried?

What is happening with the banks and should I be worried?

We saw the collapse of two major banks in the US with Silicon Valley Bank in California and Signature Bank in New York failing. In Europe, Credit Suisse had to borrow up to $54 billion from the Swiss central bank. What happened and should we be worried that there will be another collapse of the […]

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How are they doing now?

How are they doing now?

There were a couple of really good articles last week about the quick collapse of wealth. The first one in the Financial Times was about the final hours of FTX. It was a fascinating insight into the collapse of a company once worth $40 billion. Its founder Sam Bankman-Fried had a personal wealth of $20 […]

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Diversification in action

Diversification in action

For years, tech stocks were all the rage. The Nasdaq 100 post double digit returns for eight of the ten years up to the end of 2021. The other two years posted returns of 4.58% and 9.91% (you could round this up to double digits!). With returns over 30% for last three of those years, […]

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