Personal Finance | The Irish Times

In May, Apple announced a 10.5 per cent increase in its dividend to $13.22 billion annually, making it the biggest annual dividend in the world. Photograph: Carlo Allegri/Reuters

Yield-hungry investors fall for ‘free dividends fallacy’

Personal Finance
Proinsias O'Mahony
June 27, 2017, 06:00

Part of the attraction of dividend payments is more psychological than real

Your son is entitled under current rules to receive up to €310,000 in gifts and/or inheritances from his parents over his lifetime before he has to pay any capital acquisitions tax

Providing a home for son on jobseeker’s allowance

Personal Finance
Dominic Coyle
June 27, 2017, 06:00

Q&A: Dominic Coyle

AIB’s recent initial public offering will have disappointed investors who bought the shares at artificially inflated prices in recent years. Photograph: Cathal McNaughton/Reuters

AIB is not the first instance of ‘eejit trade’

Personal Finance
Proinsias O'Mahony
June 27, 2017, 05:45

Recent trading in AIB just the latest example of how clueless traders can inflate stocks

Those aged 18-34 are more upbeat than their older counterparts, according to the survey. Photograph: Istock

Ireland’s ‘generation X’ are struggling more than their parents

Personal Finance
Fiona Reddan
June 27, 2017, 05:06

New survey finds that a third of people aged 35-54 are struggling financially

AIB shares traded up more than 2 per cent on its second day of conditional trading in Dublin since its IPO last week.

AIB shares rise more than 2% in Dublin on second day of trading

Personal Finance
June 26, 2017, 18:35

Permanent TSB shares also rose but Bank of Ireland finished lower

The rules of the help-to-buy scheme are clearly defined in legislation. The basic intention is that it helps first-time buyers meet the deposit requirements for buying a home.

Why does Help-to-buy penalise us for using our land as a deposit?

Personal Finance
Dominic Coyle
June 26, 2017, 07:27

Q&A: Law does not provide for cash sum for people who put up deposit ‘in kind’

Like everything from rents, to property prices to the availability of tenants, yields, too, can differ right across the country. So, based on current rental yields, which are the best places to invest around the country – and the worst? File photograph: iStockPhoto

The worst places in Ireland to invest in property

Personal Finance
Fiona Reddan
June 20, 2017, 06:06

Ranelagh - it’s the most expensive place to buy a house in Ireland, but it’s also the worst for investment yields. So where is the best?

There is no upper limit on how much anyone can receive in a given tax year under the exemption – only that no more than €3,000 comes from any one person.

Making the most of the small gift exemption

Personal Finance
Dominic Coyle
June 20, 2017, 06:00

Q&A: Dominic Coyle

The “tech wreck” reignited talk about the apparently outsized impact of the Faang stocks – Facebook, Amazon, Apple, Netflix (or Nvidia) and Google – on market indices. Photograph: Carlo Allegri/Reuters

Stocktake: ‘Tech wreck’ driven by algorithm traders

Personal Finance
Proinsias O'Mahony
June 20, 2017, 06:00

Apple, Amazon and Facebook had gained 30 per cent this year and needed to cool

Donald Trump: the first six months of his presidency have been nothing if not dramatic. Photograph: John Minchillo/AP

Stocktake: Political chaos, financial calm: are stock markets Trump-proof?

Personal Finance
Proinsias O'Mahony
June 20, 2017, 06:00

Global economic volatility is at its lowest level in over 40 years, says JPMorgan

What tax do I pay to Revenue on a US bequest?

Who pays tax on inheritance from US-based relative?

Personal Finance
Dominic Coyle
June 18, 2017, 17:00

Q&A: Dominic Coyle answers your personal finance questions

In recent weeks Ulster Bank, KBC Bank and Permanent TSB have all adjusted their pricing as activity in the housing market increases

Bank of Ireland cuts mortgage rates by up to 0.35%

Personal Finance
Fiona Reddan
June 13, 2017, 15:06

Bank cuts rates to as low as 3% as competition in mortgage market heats up

Hedge funds have piled into the FAANG stocks – Facebook, Amazon, Apple, Netflix and Google – which have gained almost four times more than the S&P 500 in 2017. Photograph: Cyril Byrne

Are FAANG stocks taking a big bite of the bull market?

Personal Finance
Proinsias O'Mahony
June 13, 2017, 06:30

Stock Take: Broad rally suggests market is not too reliant on high-flying tech stocks

Thanks to the common market and the free trade area, when we purchase books on Amazon.co.uk or jeans from Topshop.co.uk the only additional costs we face are those related to getting the goods delivered. Photograph: Getty Images

Say hello to post-Brexit online shopping: everything is 35% dearer

Personal Finance
Fiona Reddan
June 13, 2017, 06:02

Fans of Asos.com and Amazon.co.uk should watch out - thanks to duties and VAT, prices will rocket once UK becomes a ‘third country’

Globally, almost $23 trillion, or 26 per cent of all professionally managed assets, is now invested in “responsible investment strategies”, according to the Global Sustainable Investment Alliance. Photograph: Getty Images

Socially responsible investing: who’s getting the benefit?

Personal Finance
Proinsias O'Mahony
June 13, 2017, 06:00

Ethical investment is now big business, but are investors doing well out of doing good?

Since 2014, people who pay PAYE have had to pay PRSI on income – such as rental income, dividends, bank interest, etc – that previously had been outside the PAYE net.

Self-assessment and PAYE taxpayers

Personal Finance
Dominic Coyle
June 13, 2017, 06:00

Q&A: Since 2014, PAYE taxpayers’ ‘unearned income’ has come under revised rules

Just how much tax your relative would have to pay depends on the precise nature of the relationship and the thresholds in place at the time the inheritance takes place. Photograph: Getty Images

Will inheritance affect disability allowance payment?

Personal Finance
Dominic Coyle
June 11, 2017, 17:00

Q&A: Dominic Coyle answers your personal finance questions

According to the report, half of EU states, including Ireland, have pension gaps of 30 per cent or more. Photograph: iStockphoto

Women at risk of poverty in retirement

Personal Finance
Fiona Reddan
June 7, 2017, 07:02

Irish women are retiring on incomes 30 per cent lower than men, says Mercer report

Funds Tracker Keep up to date with your investments

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