The Right Way To Invest
Our primary investment advice for clients is to always invest in regulated investments and regulated investment products. Even then, we recommend using only products that are capable of being converted back into cash quickly should the client have such a need.
We do NOT engage in advice regarding private equity, personal loan notes or geared property investments. As a leading Investment Adviser in South Dublin, in our long experience many of these type of assets have poor or no investor protection and are generally unsuited for all but the very high risk investor.
Invest After You Have Access To Emergency Cash
An essential part of any investment strategy is to ensure that the investor always has access to a sufficient amount of their capital when they need it.
The first step in our investment management process is to determine the future cashflow needs of each individual client so as to understand what long term amount can be set aside as a rainy day fund. This approach ensures that you will not need to sell out of your long term investments at a time when the markets may be experiencing a downward slide.
Thereafter, our investment philosophy can be summarised as predominantly using equity based investments for the longer term in a tax effective and cost efficient way. While we also believe that Government Bonds, Corporate Bonds and Property have a role to play for some clients’ portfolios their inclusion is usually to diversify to reduce volatility in a portfolio’s value in the short term.
Matching Your Investment With Your Risk Appetite
For many people, especially those who are uncomfortable with stock market volatility having a diversified portfolio over equities, government bonds, property and cash provides them with a peace of mind for their future investing.
While we have many client portfolios that are so designed, our preferred investment philosophy can be summarised as predominantly using equity based investments for the longer term in a tax effective and cost efficient way. By so doing we can obtain enhanced returns especially for pension funds as well as individuals who have no immediate or medium term need for cash holdings.
Sustainable Finance Disclosure Regulation (“SFDR”)
In accordance with the European Commission’s Sustainable Finance Disclosure Regulation (SFDR) obligations (Regulation (EU) 2019/2088) as they relate to authorised Financial Advisers in the Republic of Ireland, we are currently compiling our response to its investment advice criteria scope in terms of its inclusion of environmental, social and governance (ESG) sustainability considerations, and will be making this guidance available to existing clients as a part of their own individual regular formal reviews. Any new clients requiring investment advice will benefit from this review.
Questions you may have..
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As one of Ireland’s leading financial planning firms based in south Dublin, there’s very little we haven’t encountered to help our clients prepare for. Our experience, technical knowledge and willingness to see things from your perspective means that whatever you have in mind for you and your family’s future we can help you plan the best way to get there.
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