As well as putting money aside for your retirement you may also need to put money aside for a rainy day or for a particular reason like education or house purchase. Even if you save small amounts regularly, it will help you to: manage your money and cope with unexpected expenses and emergencies, afford things you need in the future borrow less and ease financial stress.

We have a number of saving and investment options to choose from. If you are looking to beat inflation and would prefer a better rate than deposit rates then you should consider investing in different assets such as equities, bonds or property. You can invest in funds which invest in a range of asset classes therefore diversifying your risk.  The fund can invest in low to high risk funds with or without capital protection.

Our QFA financial adviser with carry out a financial review with you and advise you on your investments based on your risk profile. We have a range of options from all the life assurance companies in the Irish Broker market. Why deal with one provider when you can deal with all.

Investment Tpes

Unit-linked funds

With unit-linked investment plans, your money is pooled with money from other investors and used to buy units in an investment fund. The number of units you get depends on how much you invest and the price of the units at the time you buy. You can invest either a lump sum or make regular savings depending on the fund. Professional investment managers look after the fund and decide how to invest it. They can invest in a mix of assets such as: cash or high-interest deposits, bonds issued by governments and companies, which pay a fixed rate of interest for a set time, equities, or shares, in Irish and international companies quoted on stock markets, property, including commercial properties such as offices and shops which produce an income from lease or rent. You can choose from a range of different funds to suit your attitude to risk. These include low-risk deposit-type funds, medium-risk funds and higher-risk funds that are almost completely invested in the stock market. The safer the fund, the lower the potential return, while riskier funds offer the prospect of higher profits but involve more risk to your capital. Almost all unit-linked plans involve capital risk, but some plans offer a money-back promise on a particular date, for example, the sixth anniversary. Such plans usually have lower potential for growth than other unit-linked plans. Unit-linked funds are open-ended, which means you can withdraw part or all of your investment at any time. However, you should be prepared to hold your investment for at least five years as most of these plans may have a very low or even negative return in the early years. Also, if you need to withdraw in the first few years you may have to pay an early encashment fee.

With-profit funds

You could consider investing in a special type of unit-linked fund, known as a ‘with-profit’ or ‘smoothed fund’, to reduce risk. If your fund performs well in a particular year, the fund manager may hold back some of the growth to prevent a fall in value in later years when the fund may not do so well. This ‘smoothing’ evens out investment gains and losses, so that there is no dramatic rise or fall in the value of your investment fund in any particular year. You can only benefit from this fund smoothing if you are prepared to leave your money in the fund and withdraw it only on specified withdrawal dates, such as the 10th anniversary. These are the only dates when your original capital is protected. If you withdraw outside these dates, a penalty known as a market value reduction (MVR) may be applied, which would reduce your investment by a certain percentage.


Bank deposits – you can invest in a combination of deposit and unit linked funds.

If you would like to meet to discuss your investment options please contact us to arrange an appointment.


Arrange an Appointment with a QFA