Smart Financial

💼💶 Deposits vs. Long-Term Investments: Which Is Better?

With the potential of interest rates falling further in September, the debate between cash deposits and long-term investments heats up!

🔥 In a low-rate environment, cash savings offer security but limited growth. Meanwhile, multi-asset investments have shown strong returns over 10 years, outpacing cash by more than double! 📈💰

Your future could be brighter with the right strategy!
Check out our analysis: 📝👇
https://www.smartfinancial.ie/cash-and-deposits-vs-long-term-investments-a-10-year-outlook-in-ireland/

📢 Attention! Important update on inheritance tax rules! 🚨

The Department of Finance is preparing to potentially increase the tax-free threshold for inheritances between parents and children from €335,000 to €400,000 in the run up to the October budget.

This change is designed to help families keep more of their hard-earned assets amid the significant rise in property values over the past decade.

With property prices up by 62% and the inheritance tax rate at 33%, this new threshold aims to ease the financial burden on beneficiaries. However, many estates may still exceed this limit.

To navigate these changes effectively and protect your inheritance, consider strategies: 👇
https://www.smartfinancial.ie/new-inheritance-tax-rules-in-ireland/

Consulting a financial advisor can provide personalized advice and ensure your estate is tax-efficient. Stay informed and plan ahead to preserve your family’s wealth for future generations! 💼💰

Did you know you could be leaving money on the table? 💰

Irish workers can maximize their take-home pay by utilizing tax credits and reliefs effectively.

From pensions to financial products, there are ways to boost your savings and reach your financial goals.

Check out our Case Study below: 👇
https://www.smartfinancial.ie/how-to-use-tax-credits-towards-my-pension/

Let's talk about how you can make the most of your money!
📞 01 253 3242
📩 [email protected]

What if an illness or injury stopped you from working? 👨‍💻🚫

Most of us insure our cars, homes, and health, but what about our income - our most valuable asset?

You could lose millions in potential earnings as your ...
➡ Savings deplete quickly
➡ Debt piles up
➡ Retirement plans suffer 😫

This would cause serious stress & anxiety for you and your family.

Like John, a software engineer earning €60,000:
An injury at 35 could cost him €1.8 million in lost earnings if he had the 30 remaining working years that he deserved!

An Income Protection plan would replace 75% of his income, offering stability and peace of mind. ☂💰

Irish CSO Statistics show that: 👇

10% of workers face long-term illness/disability, which is a staggering amount, with Musculoskeletal disorders & mental health being the leading reasons for income protection claims.

Check out our Case Study for more detail: 👇
https://www.smartfinancial.ie/what-happens-if-i-cant-work-due-to-illness-or-injury/

Protect your future! Get an income protection quote today!

📞 01 253 3242
📩 [email protected]