Learning Centre

Will Sparks

Will Sparks

How Much Cash to Hold in 2021?

How Much Cash to Hold in 2021?

We frequently get asked by clients how much should they keep in cash?  We still firmly believe that despite not getting returns in the bank, cash has a role in your personal finances.  These few pointers will help you decide how cash to hold.   If you would like more information on any of these tips, […]

SparksWealth Visual Insights: SantasWealth- The Game

SparksWealth Visual Insights: SantasWealth- The Game

For the last Insights of 2020, we thought we’d have a bit of fun so we have made a computer game! If playing on your phone, be sure to “hide the toolbar” on your browser. Merry Christmas and thanks for all the support in our first official year. Will Click here to play!

The 12 Financial Tips of Christmas!

The 12 Financial Tips of Christmas!

We fully admit to being a little obsessed with Christmas, so this was always going to happen.  If any of these tips resonate and you need a chat, drop me a line!   If you would like more information on any of these tips, please give the office a call on 01 639 2908 or email me on […]

SparksWealth Visual Insights: What you need to know about Market Corrections

SparksWealth Visual Insights: What you need to know about Market Corrections

What’s the number one mistake investors make when markets decline? Panic selling.1 It’s an emotional reaction to the sting of a correction. And it usually trades one problem for another—it replaces fear with seller’s remorse.2 You can avoid all of that if you know the facts about market corrections. This month’s Visual Insights Newsletter highlights […]

Reeling in the Years 2000 (inflation edition)

Reeling in the Years 2000 (inflation edition)

They say if you throw a frog into boiling water, it will jump out immediately.  However if you gradually increase the heat, the frog won’t notice and happily swim away until it becomes frog stew.  The same applies for inflation; we dont notice a 5 cent increase to our coffee in the morning, but over time this can […]

SparksWealth Visual Insights: How to Adopt Better Financial Behaviours

SparksWealth Visual Insights: How to Adopt Better Financial Behaviours

An experienced US financial planner once told me, that our principal job is to “not let clients do stupid things”. Humans aren’t robots. We frequently behave irrationally and make emotional decisions. These instincts and biases can have disasterous reprocussions for our finances. Build better finances by overcoming your brain’s natural tendencies with the behavioral finance […]

Inheritance tax is no crack! The best tip to pass on wealth the the next generation

Inheritance tax is no crack! The best tip to pass on wealth the the next generation

Gifting our children or grandchildren is a very natural thing and something we’d like to do to help them along the way. Unfortunately this is not easy from a taxation point of view. We can only gift a certain amount in a life time before a 33% tax kicks in. The thresholds in Ireland are […]

SparksWealth Visual Insights: Election Year Investing

SparksWealth Visual Insights: Election Year Investing

Do you know what one of the number one causes of market losses during an election year is? Fear.1 In fact, even for Irish investors the uncertainty of the US elections can stoke your fears. It may even encourage you to make rash, emotional decisions.1 That can lead to losses, but it doesn’t have to. […]

Who wants to be a *(half) Millionaire? Here is the habit that will get you there.

Who wants to be a *(half) Millionaire? Here is the habit that will get you there.

There is a popular myth in investing that the choice of investment fund is the most important and only aspect of long term savings that matters.   This can be true and certainly is part of the process, but it is a minor factor.  The most important thing in personal finance is NOT investment choice, […]

SparksWealth Visual Insights: The Bare Facts about Bare Markets

SparksWealth Visual Insights: The Bare Facts about Bare Markets

Do you know why bear markets happen? Or what you should do during them? If you were to read much of the media on the subject you’d never get out of bed!  The point of this Visual Insights is to show that the hype and hysteria around Bear Markets is way worse than the reality. […]