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On June 23rd, the citizens on the United Kingdom voted to leave the European Union.

The Referendum was advisory rather than mandatory and does not have any immediate legal consequences. With any next steps being driven by UK and EU politics, it is difficult to predict the future of the UK relationship with the EU. […]

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This is a great question nowadays, as interest rates are hovering around 0.75% at best.  DIRT tax is 41% along with PRSI of a further 4%.  Not ideal.  Contrast this with the DIRT rate in 2007 of 20% and PRSI of 5.5% – an increase of deductions of 76%!   The good news is that […]

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“Freedom at last – New Pension Options for GPs”

As we approach the end of 2015, pension contributions and longer term planning start to come on the radar of the GP. In this context, the change to the rules of the General Medical Services pension scheme in early 2014, which allowed GPs to invest in Approved […]

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The Irish Property Recovery So Far

Budget 2016 will make us feel that bit better about things.  The timing is good, as it comes on the coat tails of a rapid improvement in the property market over the last couple of years. At City Life Galway we have noticed a strong pick up in confidence since […]

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They say that all good things come to an end, and the Irish property market is no exception as positive growth in this sector has until 2018 before the tide begins to turn, once again.

That’s according to chief economist with Irish Life Investment Managers, Lenny McLoughlin, who was speaking at the City Life Galway […]

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The news of Euan Munro’s sudden departure from Standard Life (as manager of their much lauded GARS fund) over a year ago made all the major papers. It even made this blog.  The designer in chief of the newest, most complicated, “potential cure to all ills” fund was leaving the Scottish investment firm and heading […]

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Pat O'Dwyer

Gentlemen prefer Bonds

By: Pat O'Dwyer

Avid readers of this blog will remember this subject line from a couple of years ago, when we looked at the characteristics of bond investing and the somewhat more predictable nature of their returns. The quote is attributed to the well known U.S. banker from the early 1900s, Andrew Mellon. He was secretary for the […]

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The modern financial planner who utilises technology truly becomes the trusted confidante when it comes to forecasting and modelling future financial “what if” scenarios.  Such planning is only possible with the vastly increased computing power available now. We have embraced the opportunities that greater use of technology brings to our customers and are delighted to announce […]

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After such a run in stock markets, such a bounce in property markets and such a decade long rise in bonds now is a useful time to take, ahem, stock.

Whether it’s your child’s savings plan, your investments or your pension, you more than likely have somewhere between some and significant exposure to the above asset […]

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