|
|
|
|
Where to turn – What to do?
by Dave Gribben, Managing Director
There is no doubt that, so far, the events of 2008 and 2009 are leaving most people wondering 'where to turn and what to do?' Few, if any of us, have avoided the damaging impact of these events on our personal wealth.
We too have found these times very difficult, simply because they have been difficult for our clients. That said, we are more committed than ever to our clients and to partnering with them through this difficult period. As we listen to them, three key themes seem to dominate the concerns of our clients: Cash, Risk and Tax..... Read more |
Review your lending and preserve your cash
by James Maguire, Associate Director
Have you asked yourself the following questions about your current lending structure rates?
- What is your rate today and what type of interest rate is it? Can a quick review save cash?
- What type of rate suits you best?
- Are you too reliant on one particular bank or institution?
- Have you considered retirement backing your debt?
Read More |
Generating cash with tax relief on your insurance premiums
by Iain Cahill, Director
The good news, all so rare these days, is that now there is a way you can get tax relief on your insurance premiums.
While examining my own financial planning in January, I began considering whether there was a better - more tax-efficient - way to pay for my insurance policies. While I am no lover of insurance, I do have all of my debt covered and my income is protected. I also hold a family protection policy so that, in the event of my death, my wife and children will have a lump sum on their journey to financial freedom. Read More |
Economic outlook
A look at the months ahead...
by Kevin Kirwan
The start of 2009 has seen the global economic gloom of 2008 continue, with very weak data being seen across most countries and sectors. It is however not all bad with some signs of light visible such as falling energy prices as the price of oil returns to a more acceptable price, lower house prices and mortgage rates have seen the overhang of unsold homes in the US begin to decline and credit markets have shown some easing with the lowering of interbank interest rates.... Read More |
Managing cash in a high risk environment
by Michael McGowen
The last 18 months has seen a great deal of carnage in equity markets worldwide as the major economies have suffered and one destructive crisis after another, from sub prime mortgages to the credit crunch to the failure of Bear Stearns and Lehman Brothers to the current threat of global recession.
These events have seen the destruction of a significant amount of investor's wealth with the FTSE 100, S&P 500 and MSCI World index falling 34.12%, 42.19% and 42.19% respectively from their peaks in 2007 to the end of 2008. In light of this bleak performance by equity markets, we at ITC choose to adopt a policy around structured products so as to avoid being dragged into markets which had shown such a reversal in fortunes.. Read More |
A window of opportunity for transferring assets
by Barry Kennelly, Senior Consultant
It is discouraging to see assets losing value. However, low values provide an opportunity to gift assets to the next generation. High values have traditionally been a disincentive to transfer them due to the high gift tax cost. In addition, tax on gifts may well be increased in the near future to raise tax revenue. Read More |
| | |
| |
|
|
Where to turn – What to do?
by Dave Gribben, Managing Director
There is no doubt that, so far, the events of 2008 and 2009 are leaving most people wondering 'where to turn and what to do?' Few, if any of us, have avoided the damaging impact of these events on our personal wealth.
We too have found these times very difficult, simply because they have been difficult for our clients. That said, we are more committed than ever to our clients and to partnering with them through this difficult period. As we listen to them, three key themes seem to dominate the concerns of our clients: Cash, Risk and Tax..... Read more |
Review your lending and preserve your cash
by James Maguire, Associate Director
Have you asked yourself the following questions about your current lending structure rates?
- What is your rate today and what type of interest rate is it? Can a quick review save cash?
- What type of rate suits you best?
- Are you too reliant on one particular bank or institution?
- Have you considered retirement backing your debt?
Read More |
Generating cash with tax relief on your insurance premiums
by Iain Cahill, Director
The good news, all so rare these days, is that now there is a way you can get tax relief on your insurance premiums.
While examining my own financial planning in January, I began considering whether there was a better - more tax-efficient - way to pay for my insurance policies. While I am no lover of insurance, I do have all of my debt covered and my income is protected. I also hold a family protection policy so that, in the event of my death, my wife and children will have a lump sum on their journey to financial freedom. Read More |
Economic outlook
A look at the months ahead...
by Kevin Kirwan
The start of 2009 has seen the global economic gloom of 2008 continue, with very weak data being seen across most countries and sectors. It is however not all bad with some signs of light visible such as falling energy prices as the price of oil returns to a more acceptable price, lower house prices and mortgage rates have seen the overhang of unsold homes in the US begin to decline and credit markets have shown some easing with the lowering of interbank interest rates.... Read More |
Managing cash in a high risk environment
by Michael McGowen
The last 18 months has seen a great deal of carnage in equity markets worldwide as the major economies have suffered and one destructive crisis after another, from sub prime mortgages to the credit crunch to the failure of Bear Stearns and Lehman Brothers to the current threat of global recession.
These events have seen the destruction of a significant amount of investor's wealth with the FTSE 100, S&P 500 and MSCI World index falling 34.12%, 42.19% and 42.19% respectively from their peaks in 2007 to the end of 2008. In light of this bleak performance by equity markets, we at ITC choose to adopt a policy around structured products so as to avoid being dragged into markets which had shown such a reversal in fortunes.. Read More |
A window of opportunity for transferring assets
by Barry Kennelly, Senior Consultant
It is discouraging to see assets losing value. However, low values provide an opportunity to gift assets to the next generation. High values have traditionally been a disincentive to transfer them due to the high gift tax cost. In addition, tax on gifts may well be increased in the near future to raise tax revenue. Read More |
| | |
| |
|
|
|
|
|
Harmony
Row Financial Services Limited, trading as Financial Engineering,
is regulated by the Financial Regulator.
Registered in Ireland. Registration No: 254866.
Registered Office: Harmony Court, Harmony Row, Dublin 2.
tel: +353-1-614 8000 fax: +353-1-614 8080
|
