Informed Decisions

Our Value to You

What Does Informed Decisions Offer?

Unlike traditional financial advice in Ireland, which is focused on selling products, our value to you is being your long-term financial partner. We offer you on-going planning, advice and guidance to help you achieve the comfort and lifestyle you seek.

Yes, the structures and portfolios are important, but they are simply the tools we use to deliver the results you need.

We have identified the 3 key benefits you get in working closely with an Independent Financial Planning firm like Informed Decisions; Plan, Portfolio and Partner. Click the icons across below for more details of each. We also offer a unique Fee Guarantee.

Plan

Portfolio

Partnership

+ Our Fee Guarantee

As part of the MasterPlan^TM project we analyse, critique and develop a clear financial strategy for your future. We will help you answer important and expensive questions:

Will we have enough money to live a comfortable lifestyle?

What is the optimum income strategy to maximise pension & investment draw-down?

What does my financial future look like, and what do I need to do to maximise it?

How can I securely access secure best-in-class global index funds?

How can we avoid losing to inflation over the long term, safely?

Am I over-paying or missing out on some valuable tax opportunities?

How best to balance our own needs, and passing wealth to the next generation?

How can I avoid costly strategy errors in my financial structures and planning?

Who is best placed to help me implement and manage my finances into the future?

Only when we have an agreed plan will we implement the new structures that optimise returns, tax, income and cost efficiency. Our portfolio selection and investment process is guided by a hundred years of empirical data, decades of academic research by renowned economists and the practices of leading institutional investors.

Our core investment philosophy is based on these 7 values:

Risk and return are related

There is good risk and bad risk. Higher exposure to the right risk factors or premia leads to higher expected returns but is no guarantee of them. Risk is the premium investors pay for the expectation of a greater return.

The capital markets work

The prices of securities reflect the expectations of all market participants. The capital markets are far from perfect, but they do a good job of fairly pricing all available information and investor expectations about publicly traded securities.

Asset allocation and portfolio structure drive portfolio return

The most important factor determining the level of risk and variability of return in a portfolio is asset allocation.

Consistent outperformance is rare

Economic uncertainties, random market movements, and the rise and fall of individual companies mean it is extremely difficult for anyone – including professional fund managers – to beat the market in the long term. There is a significant body of research to suggest that outperformance, achieved only by a minority of fund managers, is down to luck rather than skill.

Costs matter

Costs reduce an investor’s net return and represent a hurdle for a fund. Before a fund can outperform, it must first add enough value to cover its costs. Sadly, the vast majority of professional fund managers and advisors fail to add value and high cost is a strong predictor of poor fund performance.

Investor behaviour is a key determinant of long-term outcome

All too often, investors let their emotions get the better of them with dire consequences for investment returns. We know that we add significant value by helping clients maintain a disciplined approach, especially in extreme market conditions.

Diversification is essential

Diversification is the principle of spreading your investment risk around. Our investment portfolios hold the shares and bonds of thousands of successful companies and governments in many countries around the world.

The foundation of our relationship is mutual trust and respect. Below, some of the customers who trust us to help them, share their stories. Your success is our success.

We work with you on an on-going basis to implement our determined investment, income, spending and gifting strategy. If you haven’t already, our work will help you achieve the confidence to cross the retirement finish line, safe in the knowledge that you will be able to live the life you want, and achieve the things you’ve always wanted to.

If this sounds like the kind of relationship you want with your advisor, read Who We Serve to see if you are potentially a good fit for our firm.

Benefits of Working With Informed Decisions

I feel very positive about my finicial future, now I'm working with Informed Decisions.

John SHerry
‍owner - GardenRooms.ie

Building a successful business – planning his next chapter!

Next Steps

What it Costs

Our transparent fee structure ensures that you know exactly what you're paying for, with no hidden costs.

What it costs

Disclaimer

You could get back less than you invest. Your capital is at risk in such investments. The value of your investments will rise and fall. Informed Decisions Limited T/A Informed Decisions Financial Planning is regulated by the Central Bank of Ireland

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Informed Decisions

Our Value to You

What Does Informed Decisions Offer?

Plan

Portfolio

Partnership

+ Our Fee Guarantee

Plan