News

Blockchain – What does it mean for financial services?

Blockchain or distributed ledger technology, is an idea that has found its time. It is now engaging the minds and budgets of almost all the most influential players in the financial sector. Briefly, it is a decentralised network of databases that is updated by network members and uses cryptology to […]


Pension Poverty

For 25 years, the pensions industry has been talking about the ‘pension’s time bomb’. The Irish population is ageing and from 2016, we will see a large annual increase in the over 65 population, which is expected to treble in size to 1.4 million by 2040. There has been much talk […]


Some tips for renting student property

The start of the academic year is approaching and students with successful CAO offers are now searching for accommodation. Here are some tips on what to look out for. Before searching for a property, speak to other students or check college advice websites for first-hand experiences of renting in the area. […]


Retirees today are choosing alternative lifestyles

The generation now moving into retirement lived through the summer of love, the psychedelic phenomenon of the late 1960’s and early 1970’s. They are the richest generation ever to have retired, benefitting from good workplace pension provision and radical increases in residential property values. This gives them financial security, which, combined with […]


What is an Emerging Market?

The MSCI Emerging Markets Index contains 24 countries representing 15% of the investable market. 29 years ago there were just 10 countries in the index, representing just 1% of the market. In the decade from 2003, emerging markets went from 24% of worldwide GDP up to 43%. Anyone savvy enough to invest […]


What is ‘Euro Cost Averaging’?

Market timing is one of the biggest dilemmas faced by investors. Jumping in and out of markets on a regular basis not only requires constant monitoring of daily events but also requires the skill to act on such events. Even the best fund managers avoid trying to catch the top […]


Motor vehicle deaths and texting

In Ireland, motor vehicle deaths grew steadily from 302 in 1960 to 628 in 1978. Deaths fell steadily until 2012 with 162 recorded deaths. This was due to laws and penalties relating to drink driving becoming tougher; improvements to our road infrastructure and increased driver training and awareness. The continuous investment in […]


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 […]