Investment Smarts

When it comes to lump sum deposits or pension related investments, it takes investment smarts to achieve the best possible returns and this means insisting on Choice, Diversity and Transparency. These 3 essential pillars are central to our investment advice, as is our you first investment philosophy outlined below.

investment smarts Savings & Investments play-video
Investments top-tips
Savings & Investments ic-mp


Investments top-tips

  1. You should always try to hold some of your money as cash, but if you keep all of it in a deposit account, inflation can eat away at it – especially when interest rates are low.
  2. You must ensure that any investment you make matches your attitude to risk.
  3. You should be aware that early encashment, or withdrawal will often incur encashment penalties.
  4. The value of investments can go down as well as up.

 

Investment Smarts – Our 3 Investment Pillars

1. Choice

We offer maximum fund choice!
When it comes to smart investments, you should never limit yourself to a single product provider, like a bank or tied insurer agent, but always choose an Independent Financial Broker like us, who can offer you sufficient choice to include a broad selection of fund managers as well as both passive and active fund options.

2. Diversity

We offer bespoke client risk analysis and risk limitation!
The old adage of not putting all your eggs in one basket rings true for any investment when it comes to limiting our investment risk, but this does not need to limit your investment returns. We will never make any investment recommendation without ensuring that you only ever take a comfortable level of risk. Moreover, by typically recommending a multi-asset and multi-manager approach, together with monitoring your risk appetite over your investment life span.

3. Transparency

We ofer one all-inclusive fully transparent fee!
Investments can appear complex, especially when trying to understand fund and advisor charges. Most of our clients pay between 0.75% and 1.25% a year all-in for financial advice, fund management, and trading costs.

Our focus is on keeping fees low while making sure your funds are professionally managed to the highest standards in line with your investment aims. Learn more about our low all-inclusive investment charges.

Investment Smarts – Our Investment Philosophy

Investment Philosophy

We believe that the best investment advice is based on evidence-based, in trying to time the next big thing, in taking account of behavioural bias, in avoiding default strategies, and in structuring client-appropriate portfolios, where patience is rewarded and unnecessary costs are excluded.

Our approach is based explained in the following steps:

1. Understand Our Clients
We take the time to learn about you and to understand your financial needs.

2. Agree on a Plan
We clearly identify your expected return, liquidity, and risk levels.

3. Design Your Portfolio
We prepare a bespoke diversified investment portfolio that matches your set goals.

4. Minimise Costs
Efficient tax planning, passive low-cost indexed funds together with low-cost active fund holdings, will help you avoid unnecessary costs.

5. Blend Passive & Active
Passive holdings cannot react to market volatility like active. Market dips are inevitable sufficient time to recover is essential. As we can offer low-cost active funds as well as passive funds, we seek to blend both and focus on value over growth stocks in the active space.

6. Remain Level Headed
We ignore the noise and help you understand the danger of behavioural bias and impulsive decision-making regardless of investment type.

7. Update & Review
Even the best-made plans can be subject to change where a change in personal or financial circumstances occur, annual reviews are part of our standard client service.

8. Mind The Planet
We operate as a paperless green office and ensure that all partnered fund managers offer responsible and sustainable investment options (ESG).

Investment Smarts – Our Solutions

Discover more about our low-cost investment solutions:

Lump Sum Investments
Private Pension Plans
Personal Retirement Bonds
Post Retirement Investments

Investment Smarts – Find Out More

One Quote Financial Brokers has been helping Irish investors minimise charges on deposit and pension related investments for over 12 years, our expert advice is available by calling 01 845 0049. We look forward to assisting you!