Smart Financial

💼💶 Deposits vs. Long-Term Investments: Which Is Better? With the potential of interest rates falling further in September, the debate between cash deposits and long-term investments heats up! 🔥 In a low-rate environment, cash savings offer security but limited growth. Meanwhile, multi-asset investments have shown strong returns over 10 years, outpacing cash by more than double! 📈💰 Your future could be brighter with the right strategy! Check out our analysis: 📝👇 https://lnkd.in/eF_PzAMi #InvestSmart #FinancialFuture #InvestmentIreland #WealthBuilding #LongTermGrowth #InterestRates #Savings #MultiAssetInvestments

💼 Navigating Business Risks in Ireland: Co-Director Insurance vs. Corporate Co-Director Insurance In Ireland, protecting your business against unforeseen risks is crucial. Are you a small business, partnership or a large corporation? 🛡️ Co-Director Insurance safeguards individual directors by providing financial relief in case of death, illness, or incapacitation. It helps cover recruitment costs and protects your business's financial stability. 🔑 Corporate Co-Director Insurance, on the other hand, is designed to protect the company itself. It ensures funds are available to buy back shares from a deceased director’s estate, maintaining control and stability within the business. 📝 Choosing the right insurance depends on your business structure and goals. 👇 https://lnkd.in/ezAhXU44 Need help deciding? Book a consultation today to protect your business and its future. 📞 01 253 3242 📩 info@smartfinancial.ie #BusinessInsurance #RiskManagement #CorporateInsurance #IrelandBusiness #BusinessContinuity #Entrepreneurship #codirectorinsurance #corporatecodirectorinsurance

📢 Attention! Important update on inheritance tax rules! 🚨 The Department of Finance is preparing to potentially increase the tax-free threshold for inheritances between parents and children from €335,000 to €400,000 in the run up to the October budget. This change is designed to help families keep more of their hard-earned assets amid the significant rise in property values over the past decade. With property prices up by 62% and the inheritance tax rate at 33%, this new threshold aims to ease the financial burden on beneficiaries. However, many estates may still exceed this limit. To navigate these changes effectively and protect your inheritance, consider strategies: 👇 https://lnkd.in/e82ZQgeT Consulting a financial advisor can provide personalized advice and ensure your estate is tax-efficient. Stay informed and plan ahead to preserve your family’s wealth for future generations! 💼💰 #InheritanceTax #Ireland #EstatePlanning #TaxFreeThreshold #FinancialPlanning #IrishProperty #TaxRelief #Section72Policy #WealthPreservation

Are you considering investing in property as part of your retirement strategy?🤔 Company directors have two options: 1️⃣ Purchasing property via your PENSION. 2️⃣ Purchasing property via your COMPANY. Each choice has unique benefits and challenges. Take a look... 📚🔍 👇 https://lnkd.in/eheUCnxF #PropertyInvestment #PensionInvestment #CompanyDirectors #TaxEfficiency #RealEstate #Ireland #RetirementPlanning #FinancialFreedom #InvestmentStrategy

Want to potentially slash your Capital Gains Tax bill? 👀 Entrepreneurial Relief could be your answer! This tax break offers a reduced rate of 10% on qualifying business asset disposals. But there's a catch - a lifetime limit of €1 million. 💰 Let's break it down with an example: Emma sold her shares for €900k, instead of paying €264k in CGT, she only paid €80k! 😮 For more examples and a full breakdown of the above calculation, follow the link ... 📝👉 https://lnkd.in/gEUBY3bS Drop a comment below! #CGT #EntrepreneurialRelief #TaxSavings #Ireland #Finance #Business #Entrepreneurship

Reviewable vs. Traditional Whole Life Insurance: Which is right for you? 🤔 Reviewable Whole Life Insurance can offer flexibility, but premiums can increase over time. 📈 Guaranteed Whole Life Insurance provides peace of mind with fixed premiums. 🔒 Want to understand why reviewable premiums can skyrocket? Refer to our article below to see how we break it down! 👇 https://lnkd.in/e2WpfCgJ #wholelifeinsurance #lifeinsurance #financialplanning #insuranceireland #reviewableinsurance #guaranteedinsurance #insurancetips #moneymatters #financialadvice #ireland #insurancecomparison

Retiring soon? 💰 Ireland's RETIREMENT RELIEF can significantly reduce or even eliminate Capital Gains Tax (CGT) when you sell your business or farm. ☘️ Are you eligible? 🤔 To qualify, you must be 55+, own the asset for 10+ years, and be actively involved in the business for at least a decade. Find out how you can plan for Retirement Relief: 💼👇 https://lnkd.in/ekANRXk4 Let's chat about how to maximize your retirement relief and plan for a smooth transition. 🤝 📞 01 253 3242 📩 info@smartfinancial.ie #RetirementRelief #CGT #Ireland #FinancialPlanning #BusinessOwners #Farmers #TaxTips

Claim Back Tax on your Pension Contributions this Season! 💰 Click on the link below for a step-by-step guide to claiming back tax on your contributions. 🐾 We also detail handy Case Studies, whether you are an employee, Self-Employed, or a company Director 📝💼 👉 https://lnkd.in/e-buyJuw #pensiontaxreliefireland #claimtaxbackireland #prsaireland #occupationalpension #personalpension #taxreturnireland #ros #taxtips #moneytips #financialadvice #ireland #dublin

Did you know you could be leaving money on the table? 💰 Irish workers can maximize their take-home pay by utilizing tax credits and reliefs effectively. From pensions to financial products, there are ways to boost your savings and reach your financial goals. Check out our Case Study below: 👇 https://lnkd.in/emYvqVBf Let's talk about how you can make the most of your money! 📞 01 253 3242 📩 info@smartfinancial.ie #taxcredits #taxreliefs #ireland #moneymatters #financialplanning #pension #savings #pensioncontributions #incomeprotection #pensiontermassurance

Small steps, big rewards. Every mindful financial choice you make today is an investment in your future. Don't be overwhelmed by large goals; focus on small, achievable steps. Remember, progress, not perfection, is key to financial wellness. #financialwellness #smallsteps #progressnotperfection #moneymanagement #investinyourself