Investments and Savings 

With so much money currently sitting on deposit in Irish banks, now is the time to get your money working for you. 

When it comes to investing there are many aspects to consider such as when you wish to access your funds, desired returns, attitude to risk, right up to fund choice and fee structure.

At DW Financial we offer a free consultation during which we will provide you with investment advice. If an investment is right for you, we will help you choose the best product to meet your needs.

We will put a plan in place that is tailored to your specific investment goals. Whether a short-term investment, an investment in a particular fund or investing in certain stocks and shares, we will find the right plan for you.  

Using fund comparison tools and our knowledge of the investment markets we can advise you on the best investment options to get you up and running. But that’s not where our role finishes. As a client of DW Financial we will regularly monitor your investment’s performance. We will always be on hand to advise you if you would like to make any changes to your investment.

Our initial consultation can be in our offices in Naas, by video call or wherever suits you best. If the meeting is in our office, you can avail of free onsite parking.   

To book your free consultation call us on 045 899049. For more information on risk profiles and various investment and savings plans continue reading below. 

Investment Bond:

An Investment Bond is a single premium investment made with one of the various life companies that we hold agencies with. With an Investment Bond you can invest in a single fund or a range of funds. These funds are generally mutli asset funds which are comprised of equities, bonds, cash and other alternative investments such as gold and metals. Investment Bonds are a medium to long term investment. 

Risk Profiles

Every day we take certain risks without even realising it, from crossing the road to driving our cars. Other risks are more considered, for example deciding to do a skydive or bungee jump.  When it comes to investing, risk has a different meaning. The risk associated with investing could be better defined as your willingness to accept losses as well as gains. Some investors like to take more risk with a view  to achieving a better return.

At DW Financial, while helping you plan for your investment, we will assess your risk profile by completing a fact find and a risk profile questionnaire. From the results of this questionnaire we will be able to see what your attitude to risk is.

There are two different risk categories to be considered. 

1 – The first is how you assess risk

Low – A low risk investor wants to avoid large fluctuations in their investment value, they accept limited risk and accept that this will produce modest returns. 

Medium – A medium risk investor is willing to accept significant fluctuations in their investment value especially over a short term. They accept risk in return for the potential of good returns over a longer term.

High – A high risk investor is willing to accept sharp or sudden changes in values. They accept risk at much higher levels with a view to achieving high returns.

2 – The second risk is how funds are classified. 

This is done from assigning a rating of 1-7 from the ESMA (European Securities and Markets Authority) scale to a fund. A rating of 1 being the safest fund and a rating of 7 being the riskiest type of fund.

DW Financial will recommend some funds that match your risk profile. You can then choose some of these funds or another fund that you would like to invest in.

INVESTMENTS & SAVINGS   KNOW ALL THE RISKS

Regular Saver:

We all know that saving for a rainy day or a specific life event is something we should all be doing. Wouldn’t it be nice to know you had a savings pot building up for your children’s education, a new car or that dream holiday you’ve always wanted to go on. 

There are many options for savings these days, An Post, the bank and the Credit Union. But what return are you getting on your money? In most cases not very much. The various life companies that we deal with offer an alternative option to a normal savings account. With a life company savings plan you can save as little as €75 per month and invest in a specific fund or selection of funds that match your needs. 

Would you prefer to leave your money on deposit in your bank making 0.5% return per year? Or would you like to pick a fund with the potential to return 5%-10% per year?

Call us today to book a free consultation and find out more about putting your savings to work.

Children’s Savers:

With the cost of education rising every year how much do you think it will cost to send your child to college? Would you be surprised to find out that it could be €5,000 to €10,000 per year depending on what college and where they live whilst in college? If you look at that over a four-year term, it could cost as much as €40,000 for your child to get a third level qualification. But where does that €40,000 come from? 

By setting up a regular savings policy, getting there can be easier than you think. Take a look at the scenario below:

David and Mary have had their first child Sean. They have decided to start saving for his education straight away and have opted to save the children’s allowance each month. 

They save the children’s allowance of €140 per month for 17 years. If they invest this amount in a fund that returns on average 5% per year and has an annual management fee of 1.25% per year, they could see their €140 per month build up to a pot of €39,164. Now that €40,000 needed to pay for college seems a bit more achievable. 

What DW Financial will do for you

Review your existing financial position.
Discuss your investment objectives.
Assess your risk profile with regard to investing.
Create a plan.
Set up the desired policy(or policies).
Regularly review their performance.
Meet you annually or bi-annually to review.

Our Process

Book your free consultation.
This can be at your home, our office, by video call or a place that suits you.
The consultation will last about one hour.
We discuss your needs and requirements.
Set up any policies you require.
Regularly review your investment.

“Make the right investment choice

Warning: Past performance is not a reliable guide to future performance.

Warning: Benefits may be affected by changes in currency exchange rates.

Warning: The value of your investment may go down as well as up.

Warning: If you invest in these products you may lose some or all of the money you invest.