Make Your Money Work Smarter
Whether you're looking to build, invest, or grow, we'll help you make smarter financial decisions that put your money to work for you.
With the right investment strategy, you can reach your financial goals faster while protecting your wealth from inflation. We're a financial advisory firm based in Ireland, regulated by the Central Bank of Ireland, and we've guided thousands of people across the country to invest with confidence.
What Is a Lump Sum Investment Bond?
A lump sum investment bond is a way to invest a single, larger amount of money, such as an inheritance, a work bonus, or savings you've built up, into a range of funds with the potential to grow over the long term.
If you have savings sitting in the bank earning little to no interest, you might be wondering whether there's a better way to grow your money. A lump sum bond can be that better way. Invested wisely, it helps protect your money from inflation and offers greater long-term growth potential than a deposit account.
Here's how it works with us:
Recommended term: five years or longer.
Investment options: a diverse range of funds tailored to your risk profile.
Flexibility: the ability to switch and reallocate your investments as your needs change.
With full transparency and access, you can check the value of your bond anytime, so you always stay in control of your portfolio.
What Is a Regular Investment Plan?
A regular investment plan lets you invest money consistently over time, into a carefully chosen range of funds that match your risk appetite and long-term goals.
Whatever you're working towards, whether it's saving a deposit for a new home or diversifying away from company stock you received through your employer, a structured plan can make all the difference. Saving little and often, in the right funds, builds wealth steadily over time.
Flexible contributions: adjust how much you save as your income changes.
Tailored investment options: choose funds based on your goals and your comfort with risk.
Long-term growth potential: build wealth while keeping an eye on financial security.
Our investment team will help you choose the right strategy, so you can save with confidence and work towards a brighter financial future.
We know that making wise investment choices is essential for building a secure and prosperous future. That’s why we’re committed to guiding you at every step of your journey.
How Can I Invest For My Child/Grandchild’s Future?
A children's investment account lets you build a dedicated fund for your child over time, so they have financial support when they need it most. It's never too early to start.
When set up as a Bare Trust, the plan can also be tax-efficient. You assign it to your child, and they benefit from the annual Gift Tax exemption:
EUR 3,000 per year from an individual.
EUR 6,000 per year from a married couple.
You also choose structured investment options aimed at steady, long-term growth. By starting early, you maximise the time your money has to grow and give your child the best possible financial start. Our advisors will guide you through every step.
What Are Your Investment Principles ?
We carefully select global investment funds built around three principles: diversification, tax efficiency, and inflation protection.
Diversification: spreading risk across different assets for long-term stability.
Tax efficiency: making the most of available tax-saving opportunities.
Inflation protection: helping your money keep its real value over time.
Our strategies can also include alternative investments and real assets. And for those who prefer a steadier ride, we offer low-risk and capital-protected options, so you get peace of mind while still growing your wealth.
What Should I Consider Before Investing ?
Before you invest, it's worth thinking about three things: how much risk you're comfortable with, what you actually want your money to do, and the long-term picture.When choosing an investment, it’s important to consider:
Risk tolerance: how much risk you're genuinely comfortable taking on.
Investment goals: whether you want to grow your wealth or generate income.
Long-term benefits: investments typically outperform savings accounts over time, and savings accounts often fail to keep pace with inflation.
Investing can offer higher returns over time while protecting your money from inflation. That said, all investments carry some level of risk, so the golden rule is to only invest what you can afford. We support you throughout, with regular updates and advice that keeps your investments aligned with your changing goals.
What Is a Monthly Savings Plan?
A monthly savings plan is a simple, powerful way to reach your financial goals by investing a set amount each month into a diverse range of funds, rather than leaving your money in a low-interest account.
Minimum contribution: €80 per month
Flexible saving: adjust your contributions whenever you need to.
Full access: withdraw your money if your circumstances change.
It's a straightforward way to grow your savings while keeping access to your money for when you need it most.
How Do I Start a Savings Plan?
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Define Your Goals
Work out what you're saving for, whether it's a house deposit, retirement, or education costs.
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Plan Your Budget
Review your monthly spending and find ways to save a little more. Small changes, like cutting back on daily coffee runs or cancelling unused subscriptions, can add up to a real difference over time.
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Choose The Right Plan
Compare Ireland's top investment providers to find a strategy that fits your goals, whether that's multi-asset funds, ESG investments, or a tailored approach.
What are ESG funds?
ESG funds invest in companies that meet strong Environmental, Social, and Governance standards, so you can grow your money while making a positive impact.
Unlike traditional investments, ESG funds avoid industries with negative societal or environmental effects, such as tobacco, fossil fuels, and unethical labour practices. Instead, they focus on companies that prioritise:
Environmental responsibility: cutting carbon footprints, investing in clean energy, and supporting sustainability.
Social consciousness: fair wages, ethical working conditions, and positive community impact.
Strong governance: transparency, ethical leadership, and a commitment to long-term success.
Are ESG investments a good choice?
Many ESG funds perform as well as, or better than, traditional investments. As regulations tighten and demand shifts towards ethical businesses, ESG-focused companies are often more stable and future-proof. With more investors in Ireland choosing ESG funds, now is a good time to explore how sustainable investing can help you build wealth while making a difference.
How Does Financial Planning Matters Help Me Invest?
We've guided thousands of people across Ireland to grow their wealth, make informed choices, and get the most out of their money. With expert advice and a personalised approach, we're here to help you invest with confidence.
Here's how we help:
Understanding your financial position: reviewing your current finances to create a strategy that fits.
Defining your investment goals: whether you want steady growth, higher returns, or income, we help you set clear, achievable goals.
Finding your comfort with risk: every investor is different, and we'll help you understand and act on yours.
Exploring the best options: from stocks and bonds to multi-asset funds, we help you find the right opportunities.
Building a diversified plan: a well-balanced portfolio keeps your money working while minimising risk.
Keeping your investments on track: we monitor your portfolio and adjust the strategy as needed to optimise growth.
We also provide clear, transparent reporting on your performance, ongoing market insights, and year-round expert support whenever you have a question.
How Do I Start Investing?
You start with a free online consultation with one of our advisors, where we'll get to know your goals and map out a strategy that works for you.
Want to learn more about investment and savings strategies? Book your consultation today and take the first step toward making your money work smarter.
Start Investing with Confidence
Want to learn more about investment and savings strategies? Book an online consultation with one of our expert advisors today and take the first step toward making your money work smarter.
Frequently Asked Questions
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It depends on the product. A monthly savings plan starts from EUR 80 per month, while a lump sum investment bond starts from EUR 5,000. We'll help you find an option that fits your budget.
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Over the long term, investments typically offer better returns than savings accounts, which often fail to keep pace with inflation. Investing does carry risk, though, so the rule of thumb is to only invest money you can afford to leave invested for several years.
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It depends on the product. A monthly savings plan offers full access so you can withdraw if your circumstances change, while a lump sum bond is recommended for five years or longer. We'll always be clear about access before you commit.
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Yes. We offer ESG (Environmental, Social, and Governance) funds that focus on responsible, sustainable companies, and many perform as well as or better than traditional investments.
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Yes. A children's investment account, set up as a Bare Trust, lets you build a fund for your child and can be tax-efficient through the annual Gift Tax exemption.
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Yes. Financial Planning Matters is regulated by the Central Bank of Ireland.
Trusted Partnerships
We work with some of the top Insurance and Financial Investment companies in Ireland:
