Integral Financial Planning

If you can avoid these investment mistakes you will go a long way to minimising losses and making returns on your money💰

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞? Click the follow button or get in touch!

There is a lot of uncertainty around Inflation, Interest Rates & Wars/Conflicts worldwide💡

The only you way can gain certainty is through planning and making provisions for something going wrong✅

This includes having an emergency fund, reviewing your life & illness policies, diversifying your pensions & investments and taking a long-term view on your situation🎯

The below graph shows recessions and equity market performance📈

The context shows a long-term positive trend but the drops are not pleasant!

This week we saw the announcement of and there were a number of measures included that should create more disposable income for individuals.

✅ Increase in tax credits
✅ Mortgage interest relief
✅ Reduction in childcare costs
✅ Increase in tax bands

I recommend you to create additional money in your pockets and try to invest it💡

That means increasing your pension contribution, claiming your tax back, and spending that on hobbies and holidays!

A common question we get asked by clients...

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐝𝐨 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭?

A rough rule of thumb is 75% of your pre-retirement income BUT it should also allow you to maintain your current lifestyle🏖️

The calculation of how much YOU need is done on a case-by-case basis as everyone's personal expenses and lifestyle differ and it won't be a one-size-fits-all💡

There are a number of factors you need to consider and Hugh cover them in this morning's video⬇️
https://youtu.be/rGTtpDiQgn8?si=f6kISb5h-LlUmGbS

A common question we get asked by clients...

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐝𝐨 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭?

A rough rule of thumb is 75% of your pre-retirement income BUT it should also allow you to maintain your current lifestyle🏖️

The calculation of how much YOU need is done on a case-by-case basis as everyone's personal expenses and lifestyle differ and it won't be a one-size-fits-all💡

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞? Click the follow button or get in touch!

What and most importantly who are the most valuable contributors to your business?

𝐇𝐢𝐧𝐭💡 It's the people who work in the business, who process admin efficiently, who are customer-facing, and who make sales.

In this morning's video, I share how you can protect your business and provide your staff with death or illness protection.

Life & Illness Cover For Your Business What and most importantly who are the most valuable contributors to your business?𝐇𝐢𝐧𝐭💡 It's the people who work in the business, who process admin effi...

What and most importantly who are the most valuable contributors to your business?

𝐇𝐢𝐧𝐭💡 It's the people who work in the business, who process admin efficiently, who are customer-facing, and who make sales.

In this morning's infographic, I share how you can protect your business and provide your staff with death or illness protection.

At Integral Financial Planning we're so grateful to be able to deliver guidance for your businesses or personal financial needs🤝🏻

If we have assisted you in any way with your financial or investment requirements please leave us a review of your positive experience on Google⭐

Recently investment returns in equities and managed funds haven't been the most compelling🤔

But, long-term (projected and historical) returns are there for those who remain invested or invest now💡

The following are 10-year investment returns to start with and you should speak to a financial advisor to understand these principles better!

In a recent Irish Independent article featuring the Head of the Behavioural Research Unit at the ESRI about financial mistakes to avoid, we summarise these points in today's video📌

We share some principles to start with and how you should speak to a financial advisor to understand your financial options!

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞? Click the follow button for the latest insights!

Habits for Financial Planning Success • Episode Forty Nine This week I shared an Irish Independent article featuring the Head of the Behavioural Research Unit at the Esri about financial mistakes to avoid.When we beg...