In investment terms, what is Alpha?

When discussing investment strategy, investment fund managers and analysts talk about alpha and beta. Beta is defined as the element of investment return or portfolio returns that can be explained by market risk, or by exposure of the investment to the market. This is the return any investor would expect to receive […]

Organ donors and Serious Illness Cover

Organ Donation and Transplant Ireland (ODTI) was established to provide governance, integration and leadership for Organ Donation and Transplantation in Ireland. The Office is dedicated to saving and improving lives by improving organ donation rates in Ireland. ODTI is responsible for the delivery of the National Organ Procurement Service for Ireland and […]

Are US stocks now overvalued?

The answer to this question is not a straight yes or no. Looking at a number of valuation metrics, it is possible to say, yes. The S&P 500 has climbed from a low of 683 on 6th March 2009 to a 2,439 on 22nd June 2017. This far surpasses the […]

Standard Life is on the acquisitions trail again?

Standard Life and Aberdeen Asset Management recently published a prospectus with details of the two companies’ £11 billion merger. The document refers to the fact Aberdeen Group is party to various agreements with Lloyds Bank. In 2013, Aberdeen Asset Management bought Scottish Widows Investment Partnership (SWIP) from Lloyds in a cash […]

Why do I need Income Protection Insurance?

The old adage, ‘your health is your wealth’ is very true. Good health gives us the ability to work and earn an income; spend quality time with our families and engage in our favourite recreational activities. It is also true that we never miss something until it has gone. Losing our […]

The Great Search for Yield

The Great Rift Valley in Eastern Kenya provides the setting for the world’s greatest wildlife spectacle – the 1.5 million wildebeest migration. From the vast Serengeti plains to the hills of Kenya’s Masai Mara over 1.4 million wildebeest and 200,000 zebra and gazelle, relentlessly tracked by Africa’s great predators, migrate in […]

How might Trump’s policies affect ethical investing?

Many people have ethical concerns about President Trump, so should investors worry about ethical approaches to investing? Research in 2016 found sin stocks, which include companies in the gambling, tobacco, alcohol, and weapons industries, generated higher returns under Republican presidencies and congresses. This linked the phenomenon to greater political donations […]

What is the Carbon Scorecard?

At the 21st Conference of the Parties of the United Nations Framework Convention on Climate Change [UNFCCC] in December 2015, 197 member states negotiated an agreement to make “finance flows consistent with a pathway towards low greenhouse gas emissions and climate resilient development” and to limit the rise in global […]

What has happened to GARS?

Standard Life and Aberdeen Asset Management published the prospectus for the two companies’ planned merger, which was announced earlier this year. In 2016, gross inflows to GARS fell by 40%, from £17 billion in 2015 to £10.2 billion. The full year results for 2016 showed Standard Life’s multi-asset arm, which manages […]

More pension reform is on the way

Pension reform and consolidation of defined contribution (DC) pension structures is high on the agenda of the Pensions Authority in the lead up to implementation of Institutions for Occupational Retirement Provision II Directive (IORPS II) and introduction of a Universal Pensions Scheme. The current deadline is Q4 of 2018 for […]