Eamon’s Financial Blog

 

Eamon Porter, trading as Aspire Wealth Management, is regulated by the Central Bank of Ireland.

What To Do With Cash!

Stock markets are now at all time highs. Who would have thought that we would be saying that after the Global Financial Crisis back in 2008. Surely equity markets are now toppy? Many investors who went to cash around then have been too frightened to come back into the market in the intervening period and are now only considering re-entering after an almost 200% gain in stock prices. If anything this sounds like a classic […]

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The World Is Coming To An End ……Again.

There is no doubt that listening to and reading the various media commentary in the last 2 weeks regarding the Chinese economy and stock market one could be forgiven for thinking that the world is coming to an end and that personal wealth positions are being eliminated. The reason why this commentary strikes a chord with the general public is the apparent truth in the numbers being quoted such as “the market has fallen by […]

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Why You Need To Understand The Language Of Investment Marketing

From my experience, most investors are very trusting of whoever is advising them about where to place their money for a long term return. While a growing number of such investments are placed into international UCITs the majority of such monies are placed in the unit funds of either life assurance companies or unit trusts operated by private bankers or stockbrokers. In reaching a decision to invest in any fund, investors normally make decisions on […]

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Got Any Tips From The Shoeshine Boy?

Since the low point of the last equity bear market – February 2009 – world stock markets have almost tripled in value. Irish investors have had the added bonus of the Euro falling in value over the same period which, in turn, has added up to 20% in currency gains on foreign investments. Huge gains no matter what way you look at things. So is this a sign of further things to come? Maybe, maybe not. […]

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Financial Issues To Watch For On Divorce

Marriage breakups are rarely easy and once the decisions surrounding child custody and access has been agreed upon,  focus turns to the financial issues of asset splitting, debt ownership and family maintenance.  In such a highly charged environment, emotions tend to run high which is why having a Financial Planner involved before final agreement, can prove invaluable, either as a neutral party to the breakup process, or as an adviser to one side. In many […]

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Why Pension Funding In Ireland Is Even More Important Than Ever

Recently I helped a new client, of US citizenship, aged 28 and a full time worker in Ireland, set up a personal pension for herself. She wanted to make sure that her own retirement funding which she started in previous employments, also in Ireland, was continued. We chatted about pension funding in general and she was surprised that Irish people in their twenties didn’t treat it as seriously as she and her other American nationals do where […]

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Smart Investing – Why Your Behaviour Influences Your Own Wealth More than Market Movements

Every so often I meet a personal investor who will tell me that now is the right time or the wrong time to invest, depending on whether the markets are going up or down as well as depending on that individual’s past experience.  Despite having 30 years of investment experience I never get into an argument with them because I know something they don’t. Namely, very, very experienced investment professionals rarely, if ever, out think […]

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Should I Buy Property Now?

In the last month I have been asked this question six or seven times by different people – clients as well as total strangers. “It’s looking cheap”, they say. “It must be a bargain now with prices so low. What do you think?” Like everything beauty is in the eye of the beholder and Irish property has, unfortunately, been beholden by an awful lot of people in the past. But is there value now available to investors? […]

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Why Financial Planning Is Not The Same As Financial Advice

A little over four years ago a new personal financial qualification, the Graduate Diploma in Financial Planning was introduced by University College Dublin in conjunction with support from the Life Insurance Association, the Institute of Bankers and the Institute of Taxation. Those who successfully completed this program were then able to sit a further exam with a view to obtaining the international accreditation Certified Financial Planner™ (also referred to as CFP®). This accreditation is regarded […]

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The Cat’s Butler. How Behaviour Influences Our Financial Thinking.

If you don’t have a cat as a pet and even if the next two paragraphs might not mean much to you please persevere with me. I should add that I am not a natural animal lover but am more of an assistant to those around me that are. Nevertheless I find myself catering to every whim that our cat meows. This includes opening the front door to let him look out before he decides […]

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