Posts Tagged diversification

Investing For Retirement

The best way to grow your retirement savings is to invest them intelligently. Putting money in a bank deposit account will, after deduction of DIRT, more than likely not earn you enough to even cover inflation.  In order to beat inflation you have to invest in such a way that your rate of return goes above and beyond inflation. The best place to to use what are referred as “real assets”. In essence, this would historically have meant

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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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Why You Should Ignore Expert Advice When It Comes To Investing

Recently while reading the Sunday papers I came across an article which contained summary views from a number of financial advisers and investment managers on what readers should be investing in going forward. The article was typical of what usually appears in the printed media at every year end/January with a view to what investors should be doing over the coming year. On reflection, this type of article occurs throughout the year with perhaps more

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The More Things Change, The More They Stay The Same.

It’s that time again when many commercial organisations are looking to kickstart their year off with a big marketing event so that they can display their wares in a good light and, hopefully, generate substantial new business volumes over the coming 12 months. The Financial Services Industry is no different. In the next few weeks, if past years’ experiences are likely to be repeated, I will receive invitations by at least 6 different investment fund

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Why Can’t Investing Be Risk Free?

In writing this piece, I’m inclined to reflect on the saying that “there is no such thing as a free lunch”. Everything in life has both negative and positive aspects to it. It’s just that sometimes we don’t see the negatives or if we do, we choose to ignore them in favour of the more comfortable outcome that we desire. Personal investing falls into this overall category as well. Over the many years of advising clients

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Why Good Investing Is Not Exciting?

Investors are a worrisome lot. When markets are falling many can get upset. Should they sell? Should they buy more? When markets are rising, the questions are the same. Should they sell? Should they buy more? It also depends on what asset is in the news. For a long time it was property, then gold, then bonds, then equities. What should I buy? What should I sell? Sometimes the easiest thing to do is to

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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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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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What is Financial Planning All About?

When I mention that I am a Financial Planner to someone who doesn’t know me I sometimes get strange looks as if I am either someone from other space or somewhere else. Some that know me well might rib me a bit on the former but sometimes saying the truth, especially about money matters, doesn’t earn you any bouquets.  Maybe it’s because the words “Financial Planner” have become confused in most people’s lexicon with terms such as “Financial Adviser”

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