Investments

Stay the course. Try to make investment decisions that will look wise when you see them in the rear view mirror.  Be rational. When the news is bad, it’s better to turn off the news than it is to interfere with your portfolio. Investors often make the mistake of trying to time the market by simply selling out of it. Historically, some of the worst short-term market fluctuations and losses were followed by periods of substantial market recovery.

Don’t let volatile markets influence your short term decisions. In a volatile market, it’s tempting to move to a “safe” asset like cash. For many of us, the prospect of loss drives our decision-making. But in many cases, the better approach is to build a resilient strategic portfolio that benefits from the upside can help manage risks on the downside.

Remember, when investing for retirement, you will not be planning to draw your funds at one magical age. While you may start to draw on funds, you may be drawing on them for many years. Have an active post retirement investment strategy that reflects that need.

Many people think of pensions as a ‘policy’ but there are, in fact, two components to a pension plan. One is the pension structure which provides the important tax reliefs and lump sum benefits. The other is the investment content. We believe that these two should be treated separately.

Think of the pension structure as a chassis or a platform which can carry a wide range of investments. Properly utilised, the pension ‘structure’ can provide you with the greatest flexibility, the greatest degree of control over the choice of your investments and a high degree of transparency. With the right planning, pensions can be used to provide for your security, build your wealth and give you flexibility in how and when you draw your benefits.

With TierOne’s help, through direct advice, through our workshops, working with the best expertise, we can guide you on the right pension path. We can help you to avoid mistakes and maximise your opportunities. Ask for our advice. It’s the smart thing to do.

We can provide you with access to a wide range of global regulated investment funds and instruments. You can chose to invest in individual shares or other securities and you can invest in a residential or commercial property of your own choosing. We have a great deal of experience in facilitating the purchase of the properties you select, project managing the acquisition by the pension and advising to ensure an efficient process and compliance.

We have a quality, experienced and dedicated team of professionals who care about the wellbeing of our clients. We believe that our interests should be aligned with our clients and so, we do not take investment commissions.  We charge annual fees which are typically paid from your investment fund. Our fees range from 0.5% to 1% per annum. We do not charge administration fees for setting up investment accounts, for arranging drawdowns or terminations. We charge fees for Financial Planning services and depending on complexity, these start at €750 + vat.

There is no charge for our initial discussions. During this time, we will seek to understand your position, your concerns and your aspirations. At the point when we both agree that it is in your interests to become our client, we will appraise you of the fees that are specific to you.