Not all savings work the same way. Some people want the certainty of a fixed return. Others want regular income from their money. Some want their capital protected but still growing over time. The right option depends on your goals, your timeframe and how much risk you're comfortable taking on. In this post, we look
Budget 2027 is confirmed for 6 October 2026, with an €8.5 billion package. The detail isn't out yet, but here's what's worth watching if pensions, savings or tax affect you. Budget 2027 will be delivered on 6 October 2026. The Summer Economic Statement has already confirmed an overall package of €8.5 billion, though the department
The ECB raised its deposit rate to 2.50% on 10 September, its second rise this year. If you're on a tracker or variable mortgage, here's what changes and when to act. The European Central Bank raised its deposit rate to 2.50% on 10 September 2026. It's the second rise this year, after June's increase, and
House prices are still rising, just more slowly. Annual growth slowed to 5.5% in July, the weakest pace since January 2024. Here's what's behind it and what it means for you. Irish house prices were 5.5% higher in July than the same month last year, down from 5.6% in June. That's the slowest annual pace
Not all savings work the same way. Some people want the certainty of a fixed return. Others want regular income from their money. Some want their capital protected but still growing over time. The right option depends on your goals, your timeframe and how much risk you're comfortable taking on. In this post, we look
If the rest of your life started today, what would you do with it? This, in my opinion, is a much more thought provoking question than the one people usually get when asked about retirement. The usual question being, “how much do you need?”. I recently found a book that I’d read a number of
For the first time in three years, Irish mortgage rates match the euro area average. Competition did that, not the ECB. Here is why the distinction matters. Something happened in the Irish mortgage market that has not happened since March 2023. The average rate on a new Irish mortgage fell to 3.48% in May, which
Ireland is getting its own version of the UK's ISA. The Government intends to legislate for a Savings and Investment Account framework this year, with details expected in Budget 2027 in October and the first accounts live in 2027. This is genuinely good news. It is also the most dangerous piece of financial news of
If you were automatically enrolled in My Future Fund on 1 January, you have until 31 August to opt out. After that, the option disappears. You can pause your contributions, but you cannot leave. So far, almost nobody has. RTÉ reported in early July that around 5,000 people had opted out since the window opened
Deemed disposal is the most complained-about rule in Irish investing, and the least understood. Here is what it actually is, what it costs, and why it is a worse argument against investing than most people think. What is deemed disposal? Every eight years, Revenue treats your investment fund as though you had sold it, calculates
