Posts Tagged financial products

How our personality effects our approach to finances

When people gossip, it’s always about someone else and more often than not, there’s a comment on someone’s behaviour.  People watching or, more correctly, behaviour watching provides fodder for the chat magazines and the tabloids. This, in turn, has led to the huge growth in reality TV whether it’s the X-Factor, America’s Got Talent, Big Brother, Masterchef  or Iron Chef (take your pick). The list goes on. There seems to be a delight in seeing

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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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11 Questions To Ask Your Financial Adviser

It’s that time of the year when everyone takes stock of what they should have done in the last year and what they really should do in the coming year. Financial Planning is a subject that gets addressed more at this time of the year than any other mainly because of the tendency to “I better do this otherwise I’ll never get around to it”. Once January passes however, the mental incentive does as well. So

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The Real Need For A Financial Planner

  When I meet a prospective client one of the first areas to be discussed is what financial products they currently hold. While many people will know that they have a mortgage and its broad details, less will know about what their pension fund and investments are applied to and even fewer again will know what level of life assurance they hold. Most people usually do  not give time to, never mind arrange, either their Will or

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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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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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