12
Jan

Updated Terms of Business

Following a regular review of our compliance procedures, we are updating our terms of business document to reflect the following  changes: A revised description of our regulatory status as per the Central Banks Handbook of Prudential Requirements for Investment Intermediaries (effective 1 October 2014). A more detailed description of our research methodology & the basis on which we provide advice. …

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17
Nov

Finance Bill 2014 – Changes to ARF’s & AMRF’s

The Finance Bill was published on 23rd October 2014, and included a number of proposed changes to the treatment of Approved Minimum Retirement Funds (AMRF’s) and Approved Retirement Funds (ARF’s). Approved Minimum Retirement Funds (AMRF’s) Currently any growth in the value of an AMRF over the initial investment amount can be withdrawn by the client as a taxable distribution. This …

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14
Oct

Budget 2015 – Summary

As the 2015 budget proceeds through the Dail this evening, the main points are outlined below. From a pensions perspective, the Minister has confirmed that the pension levy falls to 0.15% next year, and ceases in 2015. Thankfully, tax relief on pension contributions remains at the marginal rate, giving up to 40% relief in 2015. Total expenditure is projected at …

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9
Jul

Market Review – Q2 2014

June continued the positive momentum with equities and bonds once again making gains. In June, the MSCI World Equity Index increased by 1.5% while bonds also generated positive returns with the ML over 5 year EMU Govt. Bond Index up 1.6%. From a regional perspective, Japanese equities led the way generating a return of 4.9%, continuing the positive sentiment in …

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1
Jun

Updated Terms of Business

Following a recent review of our compliance procedures, we are updating our terms of business document to include the following  changes: A more detailed description of our regulatory status as an Independent Broker and Authorised Advisor. Guidance notes on the importance of reviewing your circumstances regularly. An explicit option for our client’s to pay in full for our services by …

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14
Jan

Markets Review – Q4 2013

December saw markets finish the year on a positive note with equities increasing further to record another stellar year. Markets had taken a step back up to mid month when finally the Federal Reserve announced the beginning of much anticipated tapering. Markets took comfort from this announcement and rallied to the year end. The MSCI World Equity Index increased by …

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25
Jul

Market Review – Q2 2013

Global equities fell for the first month in eight after the Federal Reserve reiterated it was mulling tighter monetary policy. Chairman Ben Bernanke said the US central bank was poised to cut bond purchases. Laying out a path for reining in policy, the central bank chief said ‘Quantitative Easing’ could end by the middle of 2014 when unemployment is around …

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11
Apr

Finance Act 2013 – Implications for Pensions

Two important changes to pensions were passed into law in the Finance Act last week. Each are covered below. 1. Access to AVC’s Members of occupational pension schemes can now access up to 30% of their Additional Voluntary Contributions pre-retirement. Tax at 41% will be deducted from such withdrawals. This is a welcome route for members to access some cash …

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3
Apr

Market Update – Q1 2013

The first quarter of the year turned out to be very strong for equity markets in particular. The strong returns were driven by a combination of a better macro outlook for 2013 and investors’ increased appetite for risk assets. The MSCI World equity index gained almost 11% in euro terms (10% in local currency), though bond market returns were low, …

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