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In this issue
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Exchange-traded funds: the secret to long-term investment success
Irish deposits are devaluing; long-term investing offers salvation. Ireland is a nation of savers, with over €170 billion deposited in bank accounts. Of this, 85% is in current and instant access savings accounts, earning an average pre-tax deposit rate of 0.14%. After-tax, it’s 0.09%. Assuming 2% inflation, Irish deposits are devaluing by -1.91% every year....
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New investment account hopes to provide a more accessible option for Irish savers
Managing personal finances is about more than balancing a budget or paying bills on time. It’s about independence, security and empowering people to plan for the future. Whether it’s a young person opening their first bank account, a couple saving for a home or parents saving up for their children’s education, financial literacy is one...
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Motor finance made simple
Explore motor finance with VWFSI — combining car solutions and finance to deliver tailored, flexible PCP and HP options. For many Irish consumers, purchasing a car is one of the most significant financial decisions they will make. Understanding motor finance options is key to making a decision with confidence. Choose your finance fit Volkswagen Financial...
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Tokenisation and the democratisation of investing
Financial services are undergoing rapid technological change as tokenisation is redefining how we invest. The first Industrial Revolution brought the world the steam engine alongside machines to produce textiles. This development meant much less need for specialists in hand weaving, which is to say, worker anxiety over new technology is not a new phenomenon. In...
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Convincing investment scams surge online
Increasingly sophisticated investment scams that look highly convincing and legitimate are costing Irish consumers tens of thousands of euros. Losses can start anywhere from €250 on crypto scams, with bigger scams involving shares, bonds or similar products often leading to losses of €30,000-€40,000, and sometimes far more. Victims are not necessarily wealthy but ordinary people...
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From saving to investing: Closing Ireland’s confidence gap
Building understanding and trust to help Irish households plan for the long term. Irish households make financial decisions in a changing world. Planning for the long term Day-to-day needs come first, but most people are also thinking about how to plan for the future — retirement, supporting a family or maintaining financial security. Saving plays an essential role, particularly...
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Putting consumers at the heart of Irish finance
The Consumer Protection Code (CPC) will not only ensure fair customer outcomes in Ireland’s motor finance and wider financial services market. Crucially, it’ll make finances clearer, safer and more sustainable for Irish consumers. At Close Brothers Motor Finance, customer outcomes drive us. Good financial services thrive on positive customer experiences, so the long-awaited Consumer Protection...
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Why more choice matters when choosing the right savings provider
To make the most of your money, shop around for the best savings providers offering the best rates — and, while you’re doing so, be aware of online scams. A Central Bank of Ireland report released late last year found that — within the EU — Ireland has among the lowest levels of direct retail...
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A fresh approach to credit resolution
Managing outstanding debt is one of the more stressful financial situations a person can face. In many cases, the barrier to resolution is not willingness but difficulty engaging with the process at all. Harbour Credit has launched in the Irish market to address exactly that. Harbour Credit is a trading name of Pepper Finance Corporation...
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Pension fund insights: building better retirements for Ireland
Building a pension fund involves smart investing, practical advice and policies that scale innovative ideas. When Mary, a 34-year-old nurse in Cork, checks her pension app, she only wants one thing: confidence that the small sums she saves today will buy a steady income decades from now. Across Ireland, millions of savers share Mary’s quiet...