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One of the most important factors in whether or not you achieve your investment goals is the amount you pay. That’s why another key role of an adviser is to keep a very tight control of your costs.

One important way in which a financial adviser adds value is in setting a suitable asset allocation.

We all know that money is important, and that over the years there’ll be big things we’ll need to pay for. We’re conscious, too, that people are living longer, and that we have to ensure we don’t run out of money in retirement.

Whether you are starting out on your mortgage journey or currently hold a valid Approval in Principle from a lender you will have heard the buzz word “repayment capacity” being mentioned.

Mortgage interest rates in Ireland soared to a 3 year high in January. The latest data from the Central Bank shows the weighted average interest rate on new Irish mortgage agreements at end of January was 2.93%, up from 2.69% in December.

The financial markets are inherently uncertain. Markets react to random, unexpected events so, by their very nature, they are unpredictable — at least they are in the short term. Equity markets in particular can fluctuate wildly.