News


The United Kingdom (UK) is scheduled to leave the EU on 29 March 2019. Arachas is working to ensure that whatever the outcome of the Brexit negotiations between the EU and the UK, our policyholders are not adversely affected and can continue to access the full range of policy covers and claims handling services.
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Switching your mortgage is easier than you think... Mortgage interest rates have never been lower however they can’t stay low forever and are expected to change from 2019.
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Although, like all dates, it comes around each and every year, this one can throw up more than its fair share of complications on an annual basis.
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Nobody wants to think about what life would look like should disability or illness strike. But the reality is that one in six Irish people will be out of work for more than 6 months at least once during their career. It is also a reality that most of us depend on our monthly income to pay for all our bills and would face serious problems if that income were to be taken away.
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When you retire, you'll expect to maintain the same standard of living, yet have more time to spend with your family, pursue leisure activities and so on. Research shows that we are now living much longer. This means we will need more income for a longer retirement. Just ask yourself, will the retirement income from your employer's pension scheme be enough for the lifestyle you want in retirement?
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Would you consider buying investment property with your pension fund? Arachas is working with some pension investors to restructure investments to invest directly in property assets.
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Over 70 per cent of people in Ireland have no will, according to a new study by Royal London Ireland. Only 28% of respondents said they had a will, while 72% did not - half of whom said it was something they were "meaning to sort out", and half of whom said they had no plans to put one in place.
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You can use an EIIS Tax incentive scheme to reduce your 2017 tax bill. The EII Scheme is a tax incentive scheme for individual taxpayers to invest in companies that aim to increase employment. We recommend choosing qualifying EIIS funds that will invest in a mix of developing and established businesses.
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The tax relief on pensions is incredibly valuable. For 40% tax payers, the relief is equivalent to growing your contribution by 66% instantly. Look at the maths. €1,000 with relief at 40% will only cost €600, but it is still worth €1,000. In what other investment can you turn €600 into €1000 instantly?
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One Customer Insights

11 / 10 / 2017

Our One Customer programme is aimed at highlighting the need for financial planning advice to our customers. We are conscious that many of our commercial insurance clients are unaware of the financial planning we provide for them, their employees and their business.
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Having money on deposit is a good route to achieving a short-term financial goal, such as having enough money for a holiday, a new car or for a rainy day. It’s always sensible to have some money on deposit for an emergency. However, if you are saving for the long-term there are a few things you should consider if you’re looking for a better potential return.
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You still have time to make a contribution to your pension and backdate the relief into 2016. Up until the 31st October, or the ROS deadline on Tuesday 14th November 2017, a contribution to your pension plan can reduce your 2016 liability by up to 40%.
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Pensions for Women

11 / 04 / 2017

While women generally live longer than men, many are less likely to have adequate income in retirement than men. It’s important for everyone to have a plan in place so that their standard of living doesn’t fall when they retire.
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Planning for retirement presents new challenges to retirees and their planners. How to draw the ideal income and not run out of fund during a lifetime – “The retirement survival challenge”.
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We wanted to let you know about some good news for clients of AVIVA and Standard Life. Both key insurers for many of our clients, they have announced reductions on the costs associated with pensions and investment policies.
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Retirement Wellbeing

01 / 03 / 2017

Your wellbeing in retirement is a topic we recommend you start to consider well before you reach the main event. Apart from your pension fund and income in retirement here are some top tips from financial advisers for you to consider in advance.
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When we speak with successful owners, we’re prompted to ask if they are they’re getting the financial benefits of commercial success. We’re told “Yes, income is up and profits are growing, and we’re enjoying it, if that’s what you mean.” That’s all good news, but what we’re asking is to consider extracting some of that profit, free of tax to build some personal wealth. We look at is as taking some cash off the table while you can, safe from creditors, away from the taxman and tucked away for your private retirement fund. Its prudent, its tax efficient and its legal. We also happen to think its just good advice. So what do we mean?
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You still have time to make a contribution to your pension and backdate the relief into 2015. Up until the 31st October, or the ROS deadline on 10th November, a contribution to your pension plan can reduce your 2015 liability by up to 40%.
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We have mentioned before the challenge for savers searching for a return on their deposits. Retail savers are settling for close to 0% AER for the security of placing their money in the bank. In Europe, and for some company investments, rates have actually gone negative for many, meaning that investors are paying the bank to take their cash.
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Investing is for the long term but in the short term, market fluctuations can be unnerving. At times like this, it's crucial that you focus on the 3 golden rules of investing.
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There are few investment commentators who would claim not to have been surprised by the outcome of the June Brexit vote. Equity markets suffered a shock and the currency volatility since has increased.
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Civil Service Pensions

06 / 10 / 2016

Pensions could make millionaires of civil servants according to the Irish Times. High payments made to civil servants have values most people do not realise. How does your pension fund compare?

Read the article on The Irish Times




Household Debt.

06 / 10 / 2016

Irish household debt at lowest level since 2006 – The Central Bank of Ireland reported that household debt continued to decrease during Q1 2016, falling by €1.1bn, or 0.7%. It is now at its lowest level since Q1 2006. It has declined continuously for the last 30 quarters and has fallen 27.1% from its peak reached in Q3 2008.




Irish Commercial Property

06 / 10 / 2016

Irish commercial property market returns 3.1% in Q2 – Returns from Irish commercial property continue to show good growth in 2016, as the latest IPD/SCSI Ireland Quarterly Property Index shows total returns for Quarter 2 at 3.1%, bringing the year-to-date return in 2016 to 6.3% and a 12 month return of 19.5%.




Pension Coverage

06 / 10 / 2016

47% of the Irish workforce will only receive a state pension worth €230 per week when they retire, according to the Pensions Authority.

Read the article on RTE




Mortgage Drawdowns Increase

06 / 10 / 2016

Irish mortgage drawdowns reach highest level since 2010 – Data for the second quarter, released by the Banking & Payments Federation Ireland (BPFI) showed that 6,803 mortgages were drawn down - with a value of almost €1.3 billion - an increase of 11.2% on Q2 2015 and the highest Quarter 2 total since 2010




While being brave might not be how you're feeling right now, and market volatility may be here to stay for a while, can you afford to let your savings idle for much longer.
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Mortgage Switcher Deals

01 / 06 / 2016

As an existing mortgage holder with positive equity in your home, now may be a good time to take advantage of the competition among lenders.
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It seems incredible now that ads like this were commonplace in our own or our parents’ lifetime. Thankfully, more recently, attitudes have reversed and the emergence of the e-cigarette may be helping in the fight against tobacco smoking. Many studies on their effects are still on-going and some early reports call for making e-cigarettes available through public health.
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Many clients want to make gifts to their loved ones, but often want to retain control over how the money is invested, especially when they are gifting to a child. The annual Gift Tax exemption of €3,000 per recipient can save your children and grand children large amounts of tax when they eventually receive an inheritance from you.
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The Value of Advice

24 / 02 / 2016

Managing your finances is complicated and getting professional financial advice has never been more important. Advice from a professional can provide reassurance about your financial situation and show the real value of advice.
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Time is running out to withdraw up to 30% of your own AVC contributions (Additional Voluntary Contributions) from your pension scheme. Budget 2013 introduced a new short term option to access pension fund cash if you needed to. It gave up to 3 years to make a once off withdrawal, not more than 30% of the value of their AVCS,  subject to tax.
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The new Central Bank borrowing restrictions are said to be having some impact on the ability of house buyers to borrow and in turn an effect on the housing market. So what are the new rules and what do you need to know.
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