Budget 2018: What it means for you

Irish Budget 2018 – Main points The Minister for Finance gave an upbeat assessment of the economic situation with growth forecast at 4.3% in 2017 and 3.5% in 2018. The government forecasts unemployment to average 5.7% in 2018 vs 6.1% currently. However he...

Newsletter Summer 2017

Are equity markets too expensive? And how well diversified are you? Many stock market valuations are certainly not cheap, nor have they been for some time. One popular measure of valuation of the US S&P500 stock-market index is the CAPE ratio. This shows the...

Is Inflation making a comeback, and why does it matter to you?

Since the turn of the year, measures of inflation in Europe and elsewhere have turned higher. Some of this can be explained by the rise in oil prices (circa 50%) over the past 12 months, but are we starting to see a more general move higher in inflation after years of...

Important Change to PRSI and State Pension Entitlement

Whether you qualify for the the State Pension (contributory) depends on a minimum number of PRSI contributions paid during your working life, and a minimum yearly average paid/credited contributions. This entitlement is not means-tested. The yearly average determines...

Newsletter December 2016

Dear Clients, Colleagues & Friends, As 2016 draws to a close it’s time to reflect on the year and look forward to 2017. This is the first in my quarterly newsletter series for Ardbrack Financial. Please feel free to circulate to anyone who might like to be...