Regulated Irish financial advisors
Specialist support for business owners
Clear, practical guidance (no jargon)
Why Invest Instead of Save?
If you’re putting money aside for your future, you might be wondering: should I save or invest? While savings accounts are safe, they often provide low interest rates that may not keep pace with inflation.
Investing offers the potential for higher returns — especially over the long term. We help you find the right balance between security and growth.
If you’re unsure, we’ll point you in the right direction:
What Are Your Investment Options?
Lump Sum Investments
A lump sum investment is ideal for those who have access to a significant amount of capital and wish to invest it to potentially grow over time.
This might include money from an inheritance, savings built over time, or financial gifts.
By investing a lump sum, you are exposed to the market’s potential for growth from day one, which can be particularly beneficial during periods of strong market performance.
Regular Investments
For those looking to build wealth gradually, regular investments allow you to invest small amounts at regular intervals, typically monthly.
This method is not only budget-friendly but also allows you to benefit from cost averaging, reducing the risk of market timing and potentially smoothing out volatility over the long term.
Combined Investment
By starting with a lump sum and then continuing with regular investments, you can potentially enhance the growth of your initial investment while continuing to contribute towards your financial goal.
This approach allows you to take the benefits of both investment types, adjusting as your financial situation evolves.
Children's Investments
Investing in your children’s future can be one of the most significant financial decisions you make.
By setting up dedicated investments for your children, you can provide them with a financial head start, whether for educational purposes, first home purchases, or other significant life goals.
These investments can be structured as either lump sum amounts or regular monthly contributions, growing over time to become a substantial amount.
Our Investment Partners
Matching Investment Strategies to Your Goals
Low Risk Investment
We will outline effective investment products in Ireland that ensure stability and security for your funds.
Example
- Lump Sum Invested: €10,000
- Term: 10 years
- Expected Growth: 3.5% per year
- Fund After Taxes and Charges: €11,521
- Average Return Per Year: 1.5%
Medium Risk Investment
Medium risk investments balance growth and risk, providing a potential for higher returns.
Example
- Lump Sum Invested: €10,000
- Term: 10 years
- Expected Growth: 12% per year
- Fund After Taxes and Charges: €19,017
- Average Return Per Year: 9%
High Risk Investment
High growth also have high volatility. If suitable you can expect higher returns.
Example
- Lump Sum Invested: €10,000
- Term: 10 years
- Expected Growth: 18% per year
- Fund After Taxes and Charges: €26,696
- Average Return Per Year: 16.7%
Is Investment Right for You?
Investing demands careful consideration of your financial circumstances and objectives. Thinking about where to invest? Here are some crucial factors to help you decide if investing is the appropriate choice for you:
Lock Your Money Away
Investments generally perform best when given time to mature.
If you have the ability to commit your funds for at least five years, you are more likely to see favourable growth and compound returns, protecting from short-term market fluctuations.
Risk Some of Your Money
All investments come with a degree of risk.
Being comfortable with this risk is essential, as it allows for the possibility of higher returns. Understanding your risk tolerance is a crucial step in the investment process.
Maximising Other Pension Tax Reliefs
If you are already taking full advantage of pension tax reliefs investing in Ireland can be a smart way to further enhance your financial portfolio.
Investments can provide additional growth opportunities and diversification, complementing your existing pension strategies.
How is Investment Tax Managed?
Understanding how investments are taxed is crucial to managing your finances effectively. Here’s how taxation works for the investment options we offer
Investment Taxation Made Simple
Your investment gains are subject to a 38% exit tax (previously 41%).
This tax applies to the profit, which is calculated as the growth of your investment after deducting any fees or charges.
When you invest through one of our partner life companies, they handle all tax reporting on your behalf — so there’s nothing you need to file or manage.
It’s fully automated and taken care of for you.
Time of a withdrawal
When you withdraw funds from your investment, any growth on the amount withdrawn since the last chargeable event (or since the investment was made, if no chargeable events have occurred) is subject to taxation.
This means you pay tax on the profit portion of your withdrawal.
Gross Roll Up Rule
Even if you do not make a withdrawal, your investment is assessed for tax every eight years.
This is known as a “gross roll-up.” At this eight-year mark, any gains your investment has made are calculated and taxed, even if those gains remain invested.
Investment Process Step-by-Step Guide To Setting Up Your Investment
Starting your investment involves several key steps, each designed to ensure that your investment choices align perfectly with your financial goals and risk tolerance.
Step 1: Chat With Our Financial Advisors
Begin your investment process by getting in touch with our expert financial advisors.
A simple call is the first step towards understanding your financial goals and exploring your investment options.
Our team is here to answer any preliminary questions you might have and to schedule a more detailed consultation.
Step 2: Tailored Investment Strategies
Once we understand your risk profile, our financial advisors will take a comprehensive look at your financial situation.
This discussion will cover your current assets, investment goals, time horizon, and any other financial commitments you might have.
Based on this, we’ll make tailored recommendations that align with your financial objectives and risk tolerance.
Step 3: Detailed Investment Projections and Strategy
After identifying the suitable investment strategies for you, we provide detailed projections of potential outcomes.
These projections come with comprehensive explanations to help you understand the possible scenarios of your investment, how they might perform under different market conditions, and the expected growth over time.
Step 4: Understanding Risk with Our Comprehensive attitude to risk questionnaire
Assessing your risk tolerance is crucial in tailoring the investment options that best suit your financial aspirations and comfort level.
During our initial discussions, we’ll guide you through a comprehensive ‘Attitude to Risk’ questionnaire.
This assessment helps us understand your ability to withstand market fluctuations and your expectations from the investment.
Step 5: Evidence of Source of Funds for Anti-Money Laundering Regulations
Depending on the amount and source of your investment, we may require additional documentation to comply with anti-money laundering regulations.
This might include providing evidence of the source of funds, which helps in maintaining transparency and prevents financial crimes.
Step 6: Your Questions Answered at Every Stage of Investment
We encourage open and ongoing communication. Feel free to ask us any questions during any stage of the investment process.
Whether they’re about the specifics of your investment options, the risks involved, or the administrative processes, our team is here to provide clear and thorough answers.
Step 7: Proof of Address and Identity
To comply with legal and regulatory requirements, you will need to provide valid proof of your address and identity.
This step is essential for verifying your identity and ensuring the security and legality of the investment process.
Step 8: We Complete the Paperwork
Our team will assist you with all the necessary paperwork to formalise your investment choices.
This includes the creation and signing of documentation, setting up accounts, and handling any regulatory compliance documents.
Our Investment Providers in Ireland
Choosing the right providers is essential for managing your investments effectively. We partner with leading financial institutions known for their reliability and strong performance.
Here’s a brief overview of our main partners:
Aviva
Aviva is a prominent financial services company with a rich history of over 300+ years, providing expertise in managing savings, investments, and retirement plans.
They offer a diverse range of investment products customised to help individuals and businesses achieve their financial goals, from building a secure retirement to maximising wealth growth.
Irish Life
Irish Life is one of Ireland’s leading financial services companies, with over 75 years of experience.
They offer a range of investment products that are designed to meet various financial needs, from securing your retirement to growing your wealth.
Their commitment to customer service and innovative financial solutions make them a trusted choice for your investments.
New Ireland
New Ireland is leading in the Irish market with a history that dates back over a century. They provide a comprehensive suite of investment options that cater to both individual and corporate clients.
Their focus on tailored investment strategies ensures that your financial goals are met with precision and expertise.
Standard Life
Standard Life is one of Ireland’s most established life and pension companies, known for delivering reliable investment and retirement solutions.
With over 190 years of experience and a strong reputation for financial stability, they are a trusted partner for individuals seeking long-term growth and security.
Standard Life offers a wide range of investment products designed to suit different financial goals and risk levels.
Zurich
Zurich is a global financial services group with a strong presence in Ireland.
They are known for their wide range of investment products, including unit-linked insurance plans which offer flexibility and potential for substantial growth.
Zurich’s commitment to sustainability and ethical investing aligns with the values of many investors today, making them a popular choice.
Frequently Asked Questions
What is a lump sum investment?
A lump sum investment involves making a single, one-time investment into a policy, with the option to add further lump sum amounts later.
What is a regular premium policy?
A regular premium policy requires you to invest money on a recurring basis—monthly, quarterly, semi-annually, or annually.
Can I access my money in an investment?
Yes, you can withdraw money from your investment whenever you want.
If you want regular income from your investment it is important to plan this into the investment product design.
Some investments have early encashment charges which may mean they are not suitable.
Is my investment subject to tax?
Yes, investment growth is taxed at an exit tax rate of 38%, deducted every eight years and upon any withdrawal, surrender, or claim due to the policyholder’s death.
How much risk should I take on with my investment?
Your risk tolerance should align with your investment term and financial goals.
It’s advisable to consult with a financial advisor to determine a suitable risk profile based on your circumstances and goals.
What kind of access will I have to my money?
Access to your funds can vary; some investment products offer immediate access, while others may lock up your funds for a specified period.
What’s the best investment for beginners?
Diversified managed funds are an excellent entry point for beginner investors — they spread your money across a range of assets to reduce risk while aiming for steady growth.
Setting up your investment through a life company offers a simple, hands-off approach, especially for those new to investing.
When you work with a financial advisor, you’ll have ongoing guidance throughout the life of your investment — helping you make informed decisions, adjust your strategy when needed, and stay aligned with your long-term goals.
Secure Your Financial Future – Explore Tailored Investment Solutions with Greenway Financial
Investing is a powerful tool for building and securing your financial future.
Whether you’re interested in making substantial one-time investments, setting up regular savings, or planning for your children’s education, our tailored solutions and expert guidance make investing accessible and rewarding.
Contact Greenway Financial Ltd today to discuss your financial goals.
With trusted partners like Irish Life, New Ireland, and Zurich and Standard Life, we ensure that your investment journey is smooth and effective.
Start now and take a step towards achieving financial growth and security with our dedicated support at every step of the way.
- Warning: Past performance is not a reliable guide to future performance.
- Warning: This product may be affected by changes in currency exchange rates.
- Warning: The value of your investment may go down as well as up.
- Warning: If you invest in this product you may lose some or all of the money you invest.
Greenway Financial Advisors Limited is regulated by the Central Bank of Ireland. Registered No. C168372