Brendan Burgess
Founder
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- 53,766
Key Post - Overpay mortgage or contribute to pension or do something else?
This comes up in a lot of different threads, so I will set out some principles here to kick off the discussion. I will edit it in the light of feedback. There are many options with your savings in excess of your emergency cash fund Pay down your mortgage Build up a fund to enable you to trade...
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Key Post - How much of an emergency fund do I need?
This comes up from time to time, and there is a custom and practice answer that everyone should have 6 months' expenditure in cash in case of some unforeseen expenditure. This is too simple an answer and it results in most people having way too much cash wasting away in a low interest deposit...
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Key Post - What is the best way to save for children's education?
My first child is soon to be born and I am thinking about ways to save for his (and 1 sibling's, hopefully) 3rd level educations. We will be saving on a monthly basis, with an aim to have accrued a fund of c. €50K (in 2014 €) by the time they are 18. My wife is deeply risk averse and insists...
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Key Post - Execution only investment and life insurance brokers
Execution only investment brokers are brokers which do not give advice. As a result, the level of commission they take should be lower which results in you getting a product with lower charges. Most of these brokers also offer an advisory service, but they will charge for that usually in terms...
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Key Post - Which is better gross roll up or CGT investments?
From Steven Barrett: https://www.bluewaterfp.ie/investments/which-is-better-gross-roll-up-or-cgt-investments/ Assuming 5% dividends a year and 5% capital gains - net of all charges! After 8 years: 1. CGT Fund at 28.75% tax: €179,005 2. Deemed disposal €169,789 3. CGT Fund at 52% tax...
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Is Gold a good investment?
"I am 65 – where should I invest my life savings? "
"Should the elderly be less conservative investors?"
The Tax Treatment of ETFs for Irish residents
Key Post - How are UK quoted Investment Trusts taxed?
Sarenco said in this post: "I'm not a fan of investing in individual stocks. Personally, i think that investment trusts give the best balance between achieving an appropriate degree of diversification and (relative) tax simplicity. Something like Foreign & Colonial Investment Trust plc is a...
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Key Post - Be careful if you hold more than $60,000 in US equities
Of course what most people don't appreciate is that if you are not a US citizen or US resident and you hold more than $60,000 in US equities then US estate taxes apply to transfers between spouses on death. That's right if you die your spouse or civil partner would have to pay US Estate taxes...
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Summary of Stock Market Investment Costs
Key Post - The different ways for investing directly in the stock market
This thread is for someone who has decided to invest directly in the stock market. It is not to discuss the wisdom of investing. It is not to discuss investing via a pension fund I want to describe the different methods, explain how to invest , explain the taxation and set out the pros and...
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Key Post - How to invest directly in shares
Before you invest in shares Buying your own home is your investment priority If you don't own your own home, then buying a home is your priority. There are great tax advantages and there are other non-financial advantages as well. If you are a few years away from having a deposit or if you...
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Boards.ie Investments and Markets forum which discusses specific shares
Buying US Stocks by 'Direct Purchase'
Buying shares in a foreign currency dub_nerd Jan 2015
Key Post - The taxation of dividends from German companies
Update ; Sept 2024. I am updating this based on S Class's work and my own experience. I will try to do an Idiot's Step by Step Guide on how to reclaim the tax. When you get a dividend from a German company through your Irish stockbroker, you should get a dividend certificate as follows: The...
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Key Post - Tax treatment of French Dividends
Hi, I'm interested in buying a small amount of Shares of a French company. This company pays a decent dividend. According to this article...
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Suitable investments for those with CGT losses to use up
Best place to invest to "harvest" CGT losses forward?
Key Post - Investing directly in forestry as an alterntative to a forestry fund
INVESTING IN FORESTRY directly vs. a fund There are many benefits to owning woodland, not least the relative security of the investment, the (almost) tax free returns and of course the amenity value. Putting money in a managed forestry fund would appear to be a very expensive way of...
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Key Post - Terry Smith FT article: Why investing for income is not a good idea
A very interesting article by Terry Smith. Busting the myths of investment: who needs income? The topic has been discussed here a few times. Terry Smith argues that an investor who needs income gets a better return by investing in companies which do not pay dividends. When they need income...
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