Investment Planning
Investing isn’t just for the wealthy – it’s for anyone who wants to grow their money and secure their future. Whether you’re saving for a big purchase, planning for retirement, or just want your money to do more, smart investing can help you get there. Investment planning is about making smart choices that will allow your money to grow over time, all while keeping risks in check.
the process
We start by evaluating your current financial situation, your short term goals, and how much risk you’re willing to take.
Helping someone reach long-term financial goals starts with clear investment policies which align with your vision. We can handle everything from start to finish, making the process simple and stress-free.
make your money work
The options
Whatever your financial goals - whether it’s saving for a future home, a dream wedding, or preparing for life’s unexpected moments - a smart savings plan can help make them a reality. With a Regular Savings Plan, you can grow your money by consistently setting aside a portion of your income monthly, which is then invested based on how much risk you’d like to take. We’ll guide you through everything.
If you have a lump sum of money - whether you have accumulated savings or received an inheritance, you have the opportunity to invest and watch it grow over time. You can easily track, switch, and manage your investments, ensuring transparency and peace of mind every step of the way.
In Ireland investment returns are primarily taxed on growth, this can be on either an exit tax basis or capital gain tax basis, depending on the type of investment. A good strategy considers tax status implications of the investments you undertake.
Exit Tax is a tax on gains from certain non-pension investment products, such as life savings & investment policies and investment funds based in Ireland. It’s currently charged at 41% on any growth in the investment.
The tax is either:
You’re taxed only on the gain, not the full amount. So, if you invested €10,000 and it grows to €12,000, the €2,000 gain is taxed at 41%, resulting in €820 tax.
Exit tax is generally what is applicable on anything invested through an Insurance Company.
Capital Gains Tax (CGT) is a tax on the profit (gain) you make when you sell or dispose of certain investments like shares, property (not your principle private residence), or other assets.
It’s applied because the growth in value is seen as a realised gain. In Ireland, CGT is currently charged at 33% on the profit, after deducting an annual tax-free allowance of €1,270 per person (€2,540 for a couple).
For example, if you bought shares for €10,000 and sold them for €15,000, your gain is €5,000. After the €1,270 exemption, you’d pay CGT on €3,730.
Unlike Exit Tax which is deducted automatically by the Insurance company, CGT isn’t deducted automatically you must declare and pay it yourself through a tax return. You can offset capital losses you might have had in the past against capital gains you have currently.
Why is investment planning important?
Investment planning helps align your money with your life goals. It’s about making informed decisions to grow and protect your wealth over time. You might want to save for a child’s education or a new car or house renovation.
Your goals, risk tolerance, time horizon, and financial situation all play a key role. A good plan balances return potential with acceptable levels of risk.
Yes. A solid plan includes diversification and risk management strategies to help you stay on course, even when markets fluctuate. This is one of the main areas for us to add value and we can maybe take some emotion out of your investment decisions and control bias that you might have and try to challenge some of your ideas so that we can land on a suitable investment strategy.
Investment planning helps align your money with your life goals. It’s about making informed decisions to grow and protect your wealth over time. You might want to save for a child’s education or a new car or house renovation.
Book a date and time that suits and we’ll have a chat
