investment

  1. D

    Moving PRSA to Zurich ‘dynamic’ investment fund

    public servant with expected 40 years service at normal retirement. Current age 49. Have a private prsa (c. 40k euro ) also. Built up over 5 years as have small business and ‘tax’ benefit. Financial adviser - commission based - suggested that prsa not necessary given particulars. Advised to...
  2. R

    2022+ Best DIY investment options? (excluding pensions and housing)

    With the deemed disposal rules coming in for US ETFs, what are the best remaining options for someone that’s already maximising pensions contributions and already has exposure to the housing market? (assuming one wants to track the SP500 at very low cost)
  3. P

    Mortgage repayments in retirement

    Age: 55 I am due to retire in 2030 age 65. I am looking for opinions on carrying repayments into retirement : two loans extent until 2035 and two loans until 2045. Already contributing to pension, and hope to have a decent defined contribution pension. Currently rental income on Invest1 is...
  4. W

    Fund left uninvested

    I had my pension transferred to a Bond about 25 years ago after I left an employment. Got on line to it recently and noticed it has been stagnant (has not gone up or down) in last 4 years (as far as I can go back online) Suggestion was made that at maturity it transferred to cash and this is...
  5. T

    Where should older people invest proceeds of sale?

    This is a common enough situation in towns around Ireland. Person/couple want to offload a business or rental properties that are increasingly too much effort to self-maintain. (Property management firms generally have a bad name as regards their smaller clients, especially concerning...
  6. T

    ETFs in Ireland?

    I'm a 23 year old looking to invest some quid to put towards a house in 10/12 years time. Having researched it seems that ETFs would be most suitable for me as I dont want to have to be playing around with something every couple of weeks and would rather put it into something and leave it there...
  7. M

    Buy second property as my pension?

    Quick question, we have a mortgage and owe about 50% still to the bank, my OH was made redundant a few years ago so have a few bob saved. He is now back working full time, im a stay at home parent with a long term illness on social welfare with no pension. We are considering using our savings to...
  8. J

    In receipt of PUP payment and with some possible trading income (divdends and share sales)

    Hi, I am currently in receipt of the 350euro Covid PUP payment. I worked in the hospitality sector and would have earned about 22k net were it not for the damn covid happening. i've been on the PUP payment twice this year. So for 2020 i've worked 5 and a half months and the remaining 6 and a...
  9. S

    Key Post Invest in commercial property or residential property?

    hi all, I'm new to the property investment. My spouse and I have some cash to invest. We have found a commercial properties with long term leases signed off(the net yield about 9%) and I talked to the Bank, we can borrow 50% of the property value to buy for this commercial property with...
  10. T

    Where to invest 60k (34yo married, 1kid, pension contributions maxed out)

    Age: 34 Spouse’s/Partner's age: 33 Annual gross income from employment or profession: E120,000 Annual gross income spouse: E120,000 Type of employment: Both private sector employees Expenditure pattern: Saving 6-7k a month Rough estimate of value of home: E370,000 Mortgage on home: E130,000...
  11. W

    Should I sell an investment property that is my former home?

    Hi, Both myself and my wife are working in the IT sector and have good salaries. We purchased our family home 10 years ago and have approx 200,000 left on the mortgage. It is a tracker mortgage of ECB + 1%. We also have an investment property (our original house which we didn't sell). It has a...
  12. C

    Bank of Ireland Life Investments- A critique

    Does anyone have experience with Bank of Ireland Life as investment managers? How do they hold up on returns? I have a portfolio which is made up of about 50 per cent equities. Initially lost money however have recently have seen a 13 percent return on investment with mid level risk. Any...
  13. D

    An Irish ISA?

    When is the Irish Government going to Introduce A UK Style Investment and Savings Account (ISA) for Ordinary People. In the UK, It is possible to save in a cash ISA, a stocks & shares ISA, an innovative finance ISA, a Help to Buy ISA, a Lifetime ISA or a mixture of all of them of up to £20,000...
  14. R

    Full Pension Contribution what next

    Hi All, I am late 20s and looking for advice on where to place any extra cash I will have. So currently I max my pension at 15% with a 5% company match, all in equities. Have done since the start of this year. I have been in this company since mid 2016 and had been contributing 5% to get the...
  15. V

    advice on allocating pension funds

    Folks, My question is a general one: Person with 12 years to retirement: should allocate how much in equities/bonds/cash. I'm in a self-managed employer pension scheme I'm PAYE and putting 38% of salary per month into pension per including employer contribution. The pension is getting...
  16. C

    Pension property investment

    Happy New Year Greetings one and all - thank you kindly for great advice always... I am reading an article ‘pension property investment ‘ in Sherry Fitzgerald’s City & Country magazine - issue 66. Can’t find a link to share it here. Bottom line is that it recommends investment of pension...
  17. F

    Best current ETF stategy?

    Hi all I have 30-40k to invest medium to long term and would like to put it in a low cost index fund. I have opened an account with Degiro. Considering the current negative situation with US based funds what would be the best options? I was considering VUSD or VUSA. Anything else I should be...
  18. F

    Investment strategy

    Hi all I have 30-40k to invest medium to long term and would like to put it in a low cost index fund. I have opened an account with Degiro. Considering the current negative situation with US based funds what would be the best options? I was considering VUSD or VUSA. Anything else I should be...
  19. N

    Investment spare capital in Ltd company

    I have about 20K to spare each year and haven't got any ideas how to utilize this money. The money can't be reinvested into the business and I dont have any loans to pay off. Down the line I would consider using this pot of cash for a larger investment (i.e. property) or maybe to take on small...
  20. D

    33 years old .. Invest savings in rental property?

    Hi, I am 33 years old and have a large lump sum saved up. I am currently working abroad (not an overly secure job) and probably looking to come back home to Ireland in next 2-4 years. I am looking to invest half of the lump some in a cash flow producing asset so when I return to Ireland I...
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