CFPSean

Budge2026:
No major tax breaks, no champagne moments — just a few small tweaks:
👉 No change to income tax bands or credits (so more people creep into the higher rate).
👉 Exit tax on savings drops slightly from 41% to 38%.
👉 Rent & mortgage reliefs extended.
👉 Pensions get a small lift — the cap rises to €2.2m next year.
👉 €10 pw extra for State pension and Social welfare benefits

In short: steady, cautious… and a little stingy.

What is clear is that if you want to make money don't rely on the budget. Look at other opportunities such as pension investing and savings plans.

DM me if you would like to know more

📊 September Market Review – What You Need to Know
Markets stayed on edge last month, but opportunity is everywhere. Here are the big moves:

✅ Fed finally cut rates (first time since 2024) – now sitting at 4–4.25%, with more cuts expected.
✅ US labour market is slowing – fewer jobs and slower wage growth mean pressure on the economy.
✅ Emerging markets rally – weaker dollar = stronger EM bonds & equities.
✅ Europe holds steady – ECB keeping rates at 2% despite weaker sentiment.
✅ China in flux – housing slump, but households piling cash into stocks.

Looking ahead:

Growth will be slower, but still positive.

Tech and AI stocks remain investor favourites.

Trade tensions could shake things up again.

💡 Opportunities are shifting. Staying diversified and tactical matters more than ever.

👉 Want to know what this means for your investments? Let’s chat.

DM me or email [email protected] or call 015823524 if you want to talk savings, investments or Retirement Planning

💭 Have you ever left a job and wondered what happened to your old pension?

For many people in Ireland, thousands of euro are sitting in old company pensions — forgotten, unmanaged, or growing far too slowly.

The good news? You don’t have to leave it behind.
A Buy-Out Bond (also called a Personal Retirement Bond) could give you full control of that pension — letting you decide how it’s invested, when you can access it, and how it can support your retirement.

I’ve just published Ireland’s Ultimate Guide to Buy-Out Bonds (2025). Inside you’ll learn:
✅ What a Buy-Out Bond is (and when it makes sense)
✅ How it compares to leaving your pension in the scheme or moving to a PRSA
✅ The pros and cons you need to know before making a decision
✅ Real case studies of people who made the move

👉 Read the full guide here: https://financiallife.ie/buy-out-bond-ireland/

If you’ve ever changed jobs, this guide could make a big difference for your future — or for someone you know. Please share if you think it might help.