Investments
The Easiest Way To Make Investing Work For You
Cultivate A Plan
When we look at investments, it’s about first and foremost, cultivating a plan…And to do so, we need to get real about identifying what our financial goals are for the future. This is where we help you identify a S.M.A.R.T investment goal.
Once goals are captured, it will enable us to build a plan, in order to obtain these goals. We will do this by matching the goals with your available financial resources.
There are many vehicles to invest in, such as cash, equities, bonds and property. So in line with your available funds, you can consider investing in these options, to obtain your goals and desired outcomes.
When it comes to investments, your objectives need to be clear and we will work with you to guide you and help you determine what your objectives are.
The driving force for a lot of people can be around the protection of their family, in terms of monetary goals. We will help determine whether you are more comfortable in lower risk investments, or, if you wish, higher risk investments.
That Insulates You For Life
Another outlook can be from the perspective of obtaining capital gains on a longer term investment. For example, this means that, if you wanted to buy a property and have it as a long term investment, where by, you intend to sell in 20 to 30 years time, the objective for you would be that, the value and resale price should increase significantly, if the upkeep is maintained, allowing you to gain in capital following your long term investment. Following a typical strategy like this, can insulate your family monetarily into the future.
In some instances there are people who have a certain amount of affordable income that they can invest in. These people are seeking out higher risk opportunities in order to obtain a greater return on investment, in a shorter period of time.
People within this bracket of investment generally have a clearer understanding of the investment landscape that benefits the level of risk they’re seeking to take. Although higher risk will leave them more exposed to greater loses, they still have an understanding of what they’re being exposed to. Yet on the flip side there is the added benefits of obtaining maximum returns.
Our Investment Strategy
ASSET ALLOCATION
FUND SELECTION
PORTFOLIO CONSTRUCTION
MONITOR & REBALANCE
Casestudy
Constructing an Investment Strategy to incorporate security and long term returns
Background
Our client is single, aged 62, currently working and earning an income of €75,000. They have accumulated cash and investment accounts to the value of over €200,000 and approached us to formulate an investmet plan for their needs.
It is quite likely that they, aong with other family members, will have to contribute towards their parents long term care needs. This was a big concern for them.
Our client is a secure/cautious investor but was willing to listen to our advice about the long term impact of inflation and consumer price index on the value of their income and assets over time.
Key Needs
- Calculate what amount of their investment would be needed for their parents long term care needs and when it might be needed.
- Construct an investment plan with access to funds for short terms emergencies coupled with medium term and long term maturities.
- Tax efficient returns based on their current status.
- Balance their cautious nature with the need for a return over time and incorporate a strtaegy with an ESG (Enviornmentally, Social and Governed) exposure.
Solution Provided
We have built a strategic investment plan that has given our client a lot of comfort. The plan has forecasted likely costs for the client and set maturity dates aligned to those costs.
By separeting out the investment into diferent types of investments we have successfully constructed a strategy that is perfectly aligned with our clients investment risk profile, requirements for access and requirements for returns.
With the types of investments both set up for exit tax and capital gains tax we have been very tax effcinent given our clients set of circumstances.
Our client was particularlly interested in investing in assets that were enviornmentally and socially responsible. We researched this requirement and produced a plan to ensure this was prioritised.
- Our client is very comfortable with the strategy implemented.
- The strategy is aligned to the clients risk profile, provides an ESG tilt and emergency access without penalty where required.
- Research was conducted into the clients own retirement plans, likely need for an income in retirement and a plan was produced with an expectation that the client will require a varied maturity date on their invested assets.
What Our Customers Are Saying
I couldn't be more pleased with the exceptional service from Fergus in Castle Capital Financial Planning. From the start, he provided clear, unbiased advice tailored specifically to my financial needs and goals. Along with Fergus, the team took the time to understand our unique circumstances and offered solutions that felt both practical and forward thinking. Their expertise and transparency made us feel secure in our decisions, and we genuinely feel like valued clients, not just numbers on a balance sheet. We’re excited to have a long term partnership with Castle Capital Financial Planning and highly recommend them to anyone looking for reliable, personalised financial guidance. Thanks again Fergus & team.
+353 (0) 61 513 059
Monday – Friday: 9:00 to 17:30
Castle Capital Ltd, The Mulcair Centre, Annacotty Business Park, Annacotty, Co Limerick.