Archive for the Retirement Planning Category

Learn From History And Plan For Tomorrow.

Some years ago I became involved in using psychometric tools to analyse human behaviour in a financial context. Since then I have been more watchful of both individuals and group dynamics as people go about their daily routines. The skipping of breakfast, grabbing a coffee on the way into work, eating a sandwich at the desk, playing 5 a side football on the way home or the 9 holes of golf on early spring evening. Indeed, we all have our

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Why It’s Important To Diversify

We all know the phrase of “not putting all of your eggs in the one basket” but when it comes to investing especially if an investor has not experienced poor investment returns in a while (or possibly, even ever) this approach gets consigned to the category of applying to other people only. If it’s the one thing that a lifetime of being invovled in investments has taught me is that poor returns always follow good

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Investors Can Be Crazy

As someone who has been advising investment clients for over 30 years I’m something of an elder lemon, to coin a phrase. Some people may call me experienced but experience is usually borne out of your own suffering or watching others suffer. Looking back on the trends of investing over those 30 years, an experience which started when I was a stockbroker brings the phrase to mind of “the more things change, the more they

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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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Why Financial Planning Is Not The Same As Financial Advice

A little over nine 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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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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Well what do you do?

Were you ever at some event or other which didn’t involve people who worked in your industry and you get asked by people who never met you before: “Well, what do you do?” I have to admit that, as someone who is not as outgoing as most people, I used to find this question somewhat awkward, even though I am self employed and my business depends on growth through new client relationships. Despite being involved

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The “What If” Scenarios? Financial Plans Are Far More Important Than Financial Products

As a financial planning firm we get involved in a lot of sophisticated financial analysis. We crunch numbers in spreadsheets and similar tools with the same passion as kids (and now more recently many adults) play video games. Sad you might say that we prefer Excel to the latest Playstation or Xbox release but the reality is this is what our clients expect. If we can’t get excited about our clients finances, then we shouldn’t

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Dumb Things Finance People Say

The more that I earn my livelihood from financial services the more I see the same commentary appear again and again. Call me a cynic but it’s about time that the financial media be it print, TV or digital copped itself on and stopped trying to sensationalise basic issues. With the advent of reality TV, the move to reality investment market TV leaves, at times, the likes of the X Factor and Big Brother  in the shade. Every

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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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