There has been significant investment volatility & ‘noise’ in recent weeks from World Equity Markets. We hear about Brexit daily, Trade Wars between USA and China and potential interest rate hikes in Europe and the States.  This can have a very unsettling effect upon investors who take a very short-term view in their outlook, trying […]

Read More


By and large the past 9 years have been a remarkable time for investors. In the face of a terrifying meltdown in world markets during 2007/2008 across all asset categories, investors were reluctant initially “to get back on the horse” and commit hard earned money into risky assets.

However quantitative easing (QE) from a litany of […]

Read More

We had a visit from a Wise Friend who recited this poem for us ……..

What Constitutes a Happy Life

Enough money to meet your needs
Steady work
A comfortable fire
A clear distance from the law
A minimum of city business
A peaceful mind and a healthy body
Simple wisdom and firm friends
Enjoyable dinners and plain living
Nights free from care
A virtuous […]

Read More
Pat O'Dwyer

The Magnificent 7….

By: Pat O'Dwyer

The Magnificent 7 (ways to lose money) !

I completed a B.Comm degree in 1984 and went in search of a job. I got one in the insurance industry and have been involved in this industry since – 33 years. That’s a long time!
Like many industries, I’ve witnessed radical changes, most, thankfully for the betterment of […]

Read More

CityLife Galway Autumn Event

CityLife Galway hosted Autumn Event at O’Donoghue Centre, NUI Galway.

Our speakers were Chief Economist with Friends First, Jim Power who gave us an outline of current economic trends. Pat O’Dwyer MD, CityLife Galway gave an in depth presentation on the “Seven Deadly Sins” which you can read about on our news. We […]

Read More

College Fees and your Child!!!

The leaves are turning golden brown and there are a few more of them blowing about each day. It can only really mean one thing – back to the fun of learning for all students, and the financial worries that go hand in hand with this time of year for parents!

It’s […]

Read More

Life sometimes can be a game of chance, but the adoption of a few basic operating procedures can certainly improve your ability to be successful. Talking to the right person is a good starting point. The world of Investment and Gambling are not automatic bedfellows but there are many similarities in the way you can […]

Read More


Many company year ends are the 31st Dec. If your company has had a good trading year and potential exposure to corporation tax, there might be a way of mitigating this liability and creating a scenario whereby funds are transferred to yourself personally without tax implications.

We recently gave pension advise to a Company Director, which […]

Read More

Firstly, let’s look at the basic facts about self-employed pension funds for someone with a need to replace a relatively high income stream in retirement.

The Standard Fund Threshold (sometimes referred to as the maximum fund) has been €2M since 2014
The maximum salary allowable to qualify for personal tax relief in a given year is €115,000
Using […]

Read More

City Life Galway, in association with Davy Select, celebrated the 5th anniversary of their founding with a celebratory lunch in the Ardilaun Hotel Galway,  for clients, professional introducers and friends on Monday 25th July, followed by a trip to the first day of the Galway Races Summer festival. The proceedings were brilliantly compared by the […]

Read More