Savings and Investments
Whether investing a lump sum or saving smaller amounts on a regular basis, good financial advice is important. Any risk undertaken must be appropriate to your circumstances. There are many factors that have to be taken into consideration when investing: i.e How long will you be investing for? When will you require access to the money?
We will carry out an analysis of your attitude to risk and what it is you want to achieve from your money. From this, recommendations will be made on the type of funds in which you could invest your money.
Remember it's impossible to receive independent advice from a bank, or a tied agent (who, as the name suggests, is tied to a particular financial institution). They are only licensed to recommend products from the institution that employs them.
You have taken time and worked hard to accumulate your existing level of investments and as such you should consider consulting an independent financial advisor who will guide you through the range of options available to you.
Lump Sum Investments
We have built a strong reputation on advising our clients on the best investments available and as we are fully independent we only choose the best funds in each investment asset class. We have the facility to create a bespoke investment bond, whereby we allocate your investment into the fund(s) of your choice, thereby creating the investment mix appropriate to your individual risk profile.
Summary of lump sum investments we offer:
- 100% Capital Guaranteed Bonds/Funds
- Tracker Bonds
- Equity Bonds/Funds
- Property Bonds/Funds
- Currency Funds
- Absolute Returns Funds
- Government & Corporate Bond Funds
- Commodity Funds
- Exchange Traded Funds
Savings and Investments
If you are looking for a long-term savings product in which your money has the potential to earn high returns, by investing in equity and bond markets through unit-linked managed funds, then a regular savings plan may be right for you.
We can help you to devise a savings plan which will have strong growth prospects but one that is within your tolerance for risk. We will also be able to guide you on maximising the tax efficiency of the plan by making use of existing gift tax exemptions and structuring the plan in a legally watertight way. As Independent Financial Advisors we deal with all the major product providers and can advise on their various savings options.
Children’s Education Savings Plan
We all want to ensure that our children have the best start possible when beginning adult life but this doesn’t come cheap. These uncertain times have given everyone food for thought. Parents are especially interested in ensuring that their children are well educated to give them a good start for life; however the costs associated with providing this education continues to rise.
How much does it cost to send a child to university?
According to a study in 2008 conducted by The Higher Education Authority, the cost of sending a child to university could amount to €11,100 for each year of tuition. This figure is based on rent, travel, books, social and entertainment etc. So depending on how many children you have the cost could be very high.
How will I meet this cost?
If you can afford to put the Child Benefit of €150 per month over 18 years into a savings account, invested to achieve growth of 6%, the resultant investment fund would be €48,042. The same savings amount of €150 per month again over an 18 year period assuming no growth would amount to €32,400. For more information about Savings & Investments, please click here
