Age: 40
Spouse’s/Partner's age: 39
Annual gross income from employment or profession: 140K
Annual gross income of spouse: 0 (Career break/Rearing children)
Monthly take-home pay: 6K +
Type of employment: Private Sector
In general are you:
(a) spending more than you earn, or
(b) saving? Approx 35K Per Annum
Rough estimate of value of home; 500K
Amount outstanding on your mortgage: 0
What interest rate are you paying?
Other borrowings – car loans/personal loans etc None
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card? None
Savings and investments: 200K in deposit accounts
Do you have a pension scheme? Yes, defined benefit
Do you own any investment or other property? Yes approx 130K worth on a tracker mortgage
Ages of children: 2,4,8
Life insurance: Yes
What specific question do you have or what issues are of concern to you?
My husband and I are very fortunate to have no debt and approx 200K of savings.
I am looking for invest advice as we have money making no interest in the bank. Open to any suggestions...
I am also interested in stocks and shares but need to understand more about setting up a portfolio and tax element involved, any advice or recommendations on someone i can speak with in Ireland or advice from what others have done recently. Its a minefield of information once i go googling.
Spouse’s/Partner's age: 39
Annual gross income from employment or profession: 140K
Annual gross income of spouse: 0 (Career break/Rearing children)
Monthly take-home pay: 6K +
Type of employment: Private Sector
In general are you:
(a) spending more than you earn, or
(b) saving? Approx 35K Per Annum
Rough estimate of value of home; 500K
Amount outstanding on your mortgage: 0
What interest rate are you paying?
Other borrowings – car loans/personal loans etc None
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card? None
Savings and investments: 200K in deposit accounts
Do you have a pension scheme? Yes, defined benefit
Do you own any investment or other property? Yes approx 130K worth on a tracker mortgage
Ages of children: 2,4,8
Life insurance: Yes
What specific question do you have or what issues are of concern to you?
My husband and I are very fortunate to have no debt and approx 200K of savings.
I am looking for invest advice as we have money making no interest in the bank. Open to any suggestions...
I am also interested in stocks and shares but need to understand more about setting up a portfolio and tax element involved, any advice or recommendations on someone i can speak with in Ireland or advice from what others have done recently. Its a minefield of information once i go googling.