Investments

Financial Architects – Making your Money work for you

Whether you are investing towards your retirement, for tax reasons, or just want something put aside for a rainy day, with Financial Architects you know you are dealing with experienced professionals.

Our business philosophy is always to put our client’s interests at the heart of any investment portfolio. This way, you can be sure that your investments are tailored to your means and aspirations.

Why choose Financial Architects?

Our “client first” philosophy and understanding of all aspects of the Financial Industry assures you receive the best impartial financial advice.

We start by getting to know you, it is important to understand your requirements and goals. Armed with this information and an understanding of your attitude towards the “risk and reward” element of investing, we can suggest the perfect investment strategy to meet your goals.

We understand that to the layman, the world of investing can seem bewildering. But, with us in your corner, you are guaranteed that you are always in the driving seat and understand, in plain English, how your investments can work for you and the associated risks.

Why not call us today to find out more about how we can help build a tailored investment portfolio.

Investments – Why professional advice is essential

With over €110,000,000,000 sitting in savings, an post, credit unions, and deposit accounts in Ireland, people will likely shift deposits into more growth assets in the next 10 years, especially having seen the ultra-low returns on their savings over several years.

Interest rates have not been as low for a prolonged period for the last 120 years.

So, if you have money on deposit for 5 years or more, you could be losing out in terms of potential gains you could have received.

If you got a 2% net tax return on a €100,000 investment each year for 5 years, imagine the things you could do with that extra money!

Inflation is really the issue, so if you are trying to preserve your purchasing power into the future, you need to get a better return than inflation of 2% a year. Inflation is the rising costs of goods and services. For example, a coffee might cost you €3 in 2020, but in 5 years, it is likely to cost more.

Growth assets are typically shares and Property. Shares going forward from 2020 are expected to generate +4% a year and Property + 3.5% a year on average.

We have a view that helps our clients to maintain their wealth over time and potentially to create intergenerational wealth to pass on to their kids in the future.

With investments, the only guarantee is that you will see a fall in your investment value at some point in time. It will happen, we just cannot say when. Markets typically react to the news, so if there is bad news in the media 24/7 for long enough, people start to panic and sell off their assets at reduced prices. When the panic is significant, people lose a lot because they sell their assets at the wrong time.

In uncertain times, professional investment advice from those that understand the market is essential. Contact us to find out more about our investment advice.

Reasons why you should not invest

  • Higher risk to capital, no one likes seeing reductions in their asset values. This will happen, so to be a good investor, forget about the media, invest, come back and collect.
  • The insurance/investment company charge fees as well as the financial advisor.
  • There is a government levy of 1% in year one only on any investment made.

Reasons why should consider investing

  • You are more likely to have a higher amount of money/assets in the future.
  • Preservation of wealth for the future when you need it.
  • To prevent erosion of your money because of inflation.

Investments – FAQs

How can a financial adviser help me with investing?

Investing without an understanding of the financial markets always carries a certain amount of risk, even in the best of times, even more so in uncertain times.

A financial adviser brings a wealth of knowledge to the table that minimises risk and can maximise returns.

What can a financial adviser help me with?

Our financial advisers can help with:

  • Retirement planning
  • Investing and saving your money
  • Maximising the benefit gained from a lump sum such as an inheritance or redundancy payment
  • Help smooth the bumps caused by life changes such as divorce, starting a family, or career changes
  • Streamlining your tax situation

What about the risk?

Every investment is a risk, and some people are better placed to take a more tolerant approach to risk management than others. We ensure that you understand the risks involved and your investment portfolio is tailored to reflect your tolerance to risk. To ensure this, we run a risk analysis on each client.

Do I need to invest?

With interest rates at a historic low and inflation rising, money languishing in bank or savings accounts is effectively depreciating. Investing can help your capital defeat inflation and keep your long-term financial goals on the right track.

Contact us today!

Derek is a Specialist in investment assets, a Retirement planning advisor and a certified financial planner.

Call us to find out more on 01 8027670, email Derek on d.maguire@financialarchitects.ie or contact us using the form below.

 

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WARNING: The value of your investment may go down as well as up. You may get back less than you invest.

WARNING: Past Performance is not a reliable guide to future performance.

WARNING: These funds may be affected by changes in currency exchange rates.