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 […]

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, […]