I’ve been getting increasing questions from both friends and clients about investing in a post-tax account with financial advisors in a particular fund. This must be getting heavily advertised somewhere or advisors are getting big commissions for selling this and I wanted to do some analysis on the true cost so people could make their … Read more
In this post I answer the question, is it better to invest in small amounts regularly or in larger lump sums to reduce transaction charges. I’ve been asked this question a few times and decided to analyse a number of scenarios to sense check my answer. Scenario 1: Invest 200€/month in average growth year Invest … Read more
This post will compare a 20-year investment into stocks and ETFs in Ireland. I will show how ETFs really compare to stocks. On a high level, even though you pay more tax with an ETF, your real rate of return isn’t much lower than stocks as stocks have higher purchase costs. This results in a … Read more
This post will go through my take on how the pandemic market volatility and uncertainty has changed my investment strategy and financial freedom plan. Firstly, before I get into a financial post, I want to acknowledge that people are losing their lives. Front line workers are exposing themselves every day to help fight this pandemic. … Read more
A while back I did a post on all I’d learned to date on investing in Canada. This post will summarise how to invest in Ireland. Investing your hard earned money can be scary! I read up on investing extensively for 2 years before I took the plunge. I suffered from something called analysis paralysis. … Read more
A while ago I compared pensions to self directed investments. This post looks at how pensions stack up to an ETF portfolio over a 40 year withdrawal period. It also shows the impact management fees and performance can have on your pension over time. Ultimately I answer whether pensions are the best investment in Ireland. … Read more
Here is a list of Irish based tools I use to save and manage money. I will try to keep this up to date with things I use, as and if they change. Some, but not all, of the below tools include affiliate links where I will get a small commission if you sign up. … Read more
As you may know, I am very concerned with the state of the environment. As such I feel a little hypocritical with my current set of investments which basically has me supporting/funding oil and gas companies and other questionable asset classes as a shareholder. I’ve been doing a little reading on more sustainable ETF options … Read more
If you have read any financial independence/ early retirement blogs, you’re sure to have come across the 4% rule where they state that once you can invest 25 times your projected annual living expenses, you can safely withdraw 4% per year with a very low likelihood of running out of money after 30 years. Looking … Read more
Meagan writes about her current ETF portfolio in Ireland, why she chose the make-up and how to buy ETFs. At a high level, she invests in an All-World ETF, Developed Europe, S&P500 and Emerging Markets ETFs.