Archive for the 'Investments' Category

Buy the haystack

Buy the haystack

Nvidia continued its meteoric rise by becoming the biggest company in the world by market cap last week. This is a company that most people had never heard of a few years ago. Its share price five years ago was $3.79 and it is trading at $135.58 today. Imagine you had invested $10,000 at $3.79? […]

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Ireland's failed investments

Ireland’s failed investments

In all the years that I have been working in personal finance, there have been a number of crises when it comes to the financial institutions that we give our money to. The Equitable Life The first one I remember was with The Equitable Life. The Equitable Life was founded in 1762 and was a […]

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Invest like a child

Invest like a child

My kids get money from relatives from relatives for Christmas and birthdays that they put in their bank accounts. They don’t need it now so I have bought them units in the S&P 500 through my account. They’ve done quite well with one holding up 10% and the other up 35%. They don’t need the […]

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Buying into the journey

Some of you may be aware that I am a supporter of Liverpool Football Club 😉. At the time of writing (Thursday morning), they are second in the league on goal difference to Arsenal after dropping two points away to mid table strugglers Manchester United last weekend. Manchester City are just one point behind. They […]

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Here comes the overvalued brigade

The stock market is doing well again, which is a positive for most investors. The end of 2023 saw a surge in valuations and this has continued into 2024, so far. But not everyone is happy. Those who continually sit on the side lines, pointing out that the market is overpriced and is due a […]

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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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