Welcome to Moneycube’s annual roundup of the best investments available in Ireland.

We’ve chosen five funds we think have strong potential for the year ahead in the wake of a cracking &#; and a bumpy start to  If you&#;re looking to invest money in Ireland, where to invest money ireland 2022, read on.

It was hard not to make money if you invested in  Global stock markets rose % in Euro terms.  This year looks like it will need a little more skill to navigate, as interest rate rises, global politics, and technology valuations remain under scrutiny.

Nevertheless, if you invest in a diversified and measured way &#; as Moneycube customers do &#; there will be significant opportunities for investment growth.

Remember, these funds are all available through our online platform, along with many more. But a word of warning at the start: everyone&#;s circumstances are different. We&#;d love to hear about your detailed requirements and advise you on what&#;s appropriate for your situation.

New challenges, new investment opportunities

This year, the challenges are different, presenting new opportunities to invest for growth in Ireland.

Investors know they need to protect their money from inflation. Irish bank interest rates look set to remain on the floor.  We&#;ve seen interest rate rises in the US and UK, but so far it looks like the European Central Bank won&#;t raise them here until the autumn at the earliest.  Preserving the real value of your money will be vital in this environment.

Then there&#;s the question of managing exposure to technology firms. There where to invest money ireland 2022 be winners and losers. Some valuations have come under strong pressure as pandemic-fuelled growth stalls. But other technology companies have been much more resilient. For example, there&#;s been a fall of more than 10% in the Nasdaq technology index since the start of December But Apple&#;s share price is up %.

Finally, there&#;s also a need to stay the course.  Investing&#;s a long-term game.  So we&#;ve shared some ideas on equity funds for the long term &#; perhaps via a regular monthly investment.

Whether you’re a new investor, where to invest money ireland 2022, looking to invest a large lump sum, or seeking to protect the value of your wealth, we’ve got a fund for you.

We’ve also crunched the numbers to identify our two favourite global equities funds for Ireland-based investors in

This might all sound great where to invest money ireland 2022 theory, but how does it look in practice? We’ve taken a look at how €20, invested a year ago in our selections performed here.

In fact, you’ll find there’s a lot of continuity between our choices (and our choices), and this year’s. That’s just as it should be, because investing’s a long term game.

Remember, these funds are all available through our online platform, along with many more.  We can help you put in where to invest money ireland 2022 lump sum and regular investments, where to invest money ireland 2022, big or small, to start growing your wealth today.

Best fund for new investors

Moneycube believes multi-asset funds should lie at the centre of most investors’ portfolios.

Whether you are investing a lump sum, setting up a regular investment, or both, multi-asset funds are useful. In a single fund, you can achieve the diversification, flexibility and balanced growth potential that most people need from their wealth.

For new investors, we’re sticking with a long-standing choice.  Zurich’s Prisma 4 fund is a strong option for many who want to invest money in Ireland. It gives exposure to a broad range of assets, split among equites (53%), bonds (34%), alternative assets including gold and commodities (8%), and property (5%).

Prisma 4 is also spread over the globe.  65% of the fund is invested in the US and Canada, 18% in Europe, 9% in Japan, and 3% in Asia-Pacific.

And importantly, it has a track record of decent returns. Init grew by %, as Zurich&#;s fund managers played a smart game of switching back into equities after the market sell-off in March.

In the last five years, this fund has returned % total growth as this chart shows.

In fact, Zurich Prisma 4’s performance is substantially better than comparable funds from its competitors, Irish Life, where to invest money ireland 2022, New Ireland, and Standard Life over the last three and the last five years.

Here’s a comparison:

For contrast, your money in the bank has earned less than % in interest during the same period.

As a runner-up, Irish Life’s MAPS 4 fund is a strong performer with % growth over the same period.  But as we’ve explained elsewhere, it’s harder to invest in it on decent terms.

Best fund for larger lump sums

If you have a lump sum of around €50, or higher, it’s time to consider using Moneycube to build your own portfolio.

If you’re willing to handle your own tax affairs, you can open a much wider world of fund options, and significantly drive down your overall cost of investing.

We generally recommend a portfolio of at least four such funds.  So it’s hard to pick a single fund in this category.  But you can read about one of our favourites here.  This fund was up % inand more than doubled the previous year &#; an extraordinary performance, even for a fund with a very strong long-term record, and helped greatly by substantial holdings in Tesla and Amazon.

You can read more about our approach to investing larger lump sums here.

Best investment to invest money in Ireland for wealth preservation

It&#;s no secret that inflation is seriously eroding the value of your cash savings.  Consumer prices rose % during  In more concrete terms, a basket of shopping that would have cost you € at the start of the year would have left you no change from € by the end of the year.

Ruffer Investment Company is a fund that&#;s focused on preserving the real value of your capital.  Described by its managers as the &#;alternative to alternatives&#;, where to invest money ireland 2022, it has not always been popular in a decade where tech stocks have ruled the markets.  But it could come into its own in an inflationary environment.

Run from Edinburgh, UK, by Trinity College graduate Hamish Baillie, there are several reasons to consider Ruffer to preserve your wealth as part of an investment portfolio.

1. A true alternative
Ruffer offers exposures which are non-correlated with a typical equity where to invest money ireland 2022 bond portfolio. Some describe it as a hedge fund. For example, gold makes up % of the fund, options %, and cash is almost %, giving the managers firepower to capitalise on opportunities.

2. Ruffer&#;s not afraid to be radical
In /21, Ruffer moved % of its assets into Bitcoin, believing there was a major opportunity to hedge against inflation. The trade (exited by April ) reportedly netted £1 billion &#; and proves that managing money defensively does not simply mean playing it safe.

3. Focus on not losing money
Ruffer&#;s ultimate aim is not to lose money in any month period. For the managers, where to invest money ireland 2022, relative returns are unimpressive. If markets fall 25%, losing &#;only&#; 20% of your money isn&#;t exactly a success, they say. And they accept this can mean enduring periods where to invest money ireland 2022 low return while others race ahead:

When markets are rising strongly, investing with Ruffer can be like riding a tractor on the motorway, plodding in the slow lane.

It’s only when the motorway sinks into boggy marshland that a tractor proves to be a wise way to travel.

&#; Ruffer Investment Company

While a tractor is not as exciting as a Ferrari, there is a role for an all-conditions vehicle in many investment portfolios.

You can see the consistency of Ruffer&#;s approach over the long term in the chart below.

Source: Ruffer Investment Company

Two of the best pure equity funds for long-term investors

Long-term investors can afford ride out short-term market dips.  That means they can take more risk with their money, to create the potential for better growth.  We’ve selected two funds to fit this bill.  One is actively managed in Dublin.  The other is a pure passive solution from global leaders Vanguard.

Index investing with Vanguard

If you simply want a slice of what is going on in companies all around the world, a ready-made portfolio from Vanguard might be for you.  Using this route, we’ll help you invest into four index funds, giving you exposure to the US S&Pand major European, where to invest money ireland 2022, Japanese, and emerging market stocks.

It’s hard to beat this approach for diversification among companies.  Taken together, this portfolio holds positions in over 2, companies.  And it has delivered average annual growth of % over the last ten years.

You can read all about Vanguard and index fund investing here.

Active management with Zurich International equity

Secondly, the local leader.  We continue to like Zurich’s International equity fund for its flexibility, its fees, and its performance.  You can invest a lump sum, a regular direct debit, or both.  It’s available via Moneycube for an annual management charge of %, including the cost of financial advice.

And it has grown steadily, particularly over the last ten years, where it has returned an average annualized rate of %.

was another strong year for this fund.  It turned in growth of %, on top of % the year before, and % in  It shows the importance of keeping your money in the market to benefit from the uplift when it comes.

The chart also shows how the fund has delivered over the long where to invest money ireland 2022. If you’d invested in this fund ten years ago, you’d more than tripled your money, as the chart below demonstrates &#; a €10, investment would be worth around €32,

This fund now has over € billion of Irish investors&#; money, and holds shares in more than companies.  It&#;s a large fund by international measures.  As begins, the managers have pulled back their position in US equities after a strong run, where to invest money ireland 2022, and instead have a great emphasis on Japan and Europe where to invest money ireland 2022 where value stocks may see a comeback.

The fund continues to prefer technology and consumer stocks like Apple and MasterCard. Tech firms Microsoft, Alphabet/Google and Amazon are its top three holdings (unchanged for some time now), and there are substantial positions in financial, consumer and industrial businesses, while utility-style investments like telecoms and consumer staples are avoided.

Next steps

At Moneycube, we know everyone’s circumstances are different. The best investments for you right now might well be different from the funds we’ve highlighted above.  But with more than 4, funds at our fingertips, we’re confident we can find a fund to suit you.

We hope these ideas will give you a starting point to invest money in Ireland in   Now you can get in touch, or use our online platform to design an investment plan that’s right for you.

Related

Saving means putting money aside, gradually, in a bank deposit or regular savings account and earning interest. People generally save for a particular goal &#; a new car, a deposit for a house, or to build up a rainy day fund &#; knowing that their capital is not at risk.

Investing typically means committing your money for a longer period of time in the hope of making more money than you would by saving. There is risk involved but you rate the level of risk you are comfortable with. There is usually no guarantee that you will make larger amounts of money or even that you will get all of your capital back. However, depending on how your investment performs, you could grow your money considerably more than you would by saving.

Investment products are provided by Bank of Ireland Life, a trading name of New Ireland Assurance Company plc, where to invest money ireland 2022. Advice on Bank of Ireland Life products is provided by Bank of Ireland.

Why choose us?

• We make investing in funds straightforward and accessible.
• We can help you plan your financial future, whether you&#;re new to investing or a more experienced investor, we can develop an investment strategy to suit you.
• Pairing our easy ways to make money on the internet and your plans allows you to make informed decisions aligned to your goals and aspirations.
• We offer an extensive range of investment choices from capital secure products to those providing access to a range of funds with varying levels of risk.
• We will help you create a diverse and varied investment portfolio.

There are 2 key things to consider:

1. When would you like to access your money?

One of the most important things you where to invest money ireland 2022 to think about is when you need access to your money. This will help determine the type of investment you choose.

If it&#;s within the next 5 years:

• You may want certainty on the amount of money at your disposal
• You will probably need easy access to your money

If this is the case, the best home for your money is typically some form of deposit. We have a great range at Bank of Ireland. Find out more here.

If where to invest money ireland 2022 longer than 5 years:

You may want to consider assets such as company shares and property which could potentially provide better returns than deposits in the longer term.

Bank of Ireland Life has a range of investment solutions which provide exposure to these assets.

2. What degree of risk are you comfortable with?

Every investment involves you taking some level of risk. Deciding what level of risk you are comfortable with is crucial, as your appetite for risk will influence the type of funds that you should invest in.

We have 7 risk categories:

• Very Low Risk
• Low Risk
• Low to Medium Risk
• Medium Risk
• Medium to High Risk
• High Risk
• Very High Risk

As a rule of thumb, options that offer the most potential for growth also have the highest potential for loss.

Our expert advisors will take you through a questionnaire to gauge the level of risk you are willing to comfortably expose your money to.

So what are the next steps?

If you&#;re ready to talk about investing your money, then we can meet and talk you through the whole process.

• With our expertise and jargon free approach, we&#;ll help find the option that&#;s right for you and start working towards achieving your goals.
• If you decide to invest your money, our advisors will take you through our diverse range of funds, tracker bonds and the other investment products.
• Based on your circumstances and goals, we have tools and information to help identify the level of risk you&#;re ready and willing to take.
• Our advisors take the time to understand your circumstances and financial goals.

Make an appointment for a financial planning meeting at a time that suits you.

Technically, there is no Ireland Golden Visa, although there can you pay uber with bitcoin an investment programme that eventually leads to Irish citizenship.

The Irish Immigrant Investor Programme is an investor visa, which allows the applicant and qualifying family members to live and work in Ireland indefinitely.

Eligibility for an Ireland Investor Visa

To qualify for the Irish Immigrant Investor Programme, you have to fulfil the following requirements:

• You must be of good character.
• You must not have a criminal conviction in any jurisdiction.
• You must have a net worth of at least €2 million, where to invest money ireland 2022. You must have assets that you acquired legally through business, commercial activity, inheritance, endowment and/or divorce.
• You must invest in one of the four eligible investment options.
• Your investment must positively impact the economy.

To determine your eligibility for the Irish investment visa, you could consult La Vida – Golden Visas, which are a team of experts in international investment laws. With years of experience in the field, they can point you in the right direction and maximise your chances of a successful application.

Can Family Members Join?

Yes, if you invest in Ireland, both you and your immediate family members will receive residence permits, where to invest money ireland 2022. Qualifying family members are:

• Your partner or spouse.
• Children under the age of 18, for whom either you or your partner/spouse have custody.
• Dependent children between the ages of To qualify, adult children up to 24 years of age must be unmarried and financially dependent on you or your spouse/partner (e.g. students).

Same as you, your family members will receive Stamp 4 residence permits, which allow them to work in Ireland, without the need to apply for an Employment Permit.

Investment Options for Ireland Citizenship

To obtain Irish citizenship by investment, you must invest in one of the following government-approved options:

Which Investment Option Should You Choose?

Where you choose to invest in Ireland depends on your financial situation as well where to invest money ireland 2022 your long-term plans:

• Enterprise Investment: If you want to create a new enterprise or invest in an existing business, you already have an investment or business strategy, and consider Ireland as a suitable location for it.
• Investment Fund: If you want to benefit from the services of professional and approved investment intermediaries to invest in the future potential of Ireland’s Enterprise sector.
• REITs: If you are looking for lower-risk property investment, wherein the investment is assorted into a collection of properties. REITs will generate a regular income and have reduced exposure to negative equity risk, due to the debt limits within the scheme.
• Endowment: If you want to actively engage in philanthropic activity and support projects that benefit the Irish public. It is also suitable for investors who want a straightforward investment option, and no additional financial obligations.

It’s important to get professional advice before committing to an investment, where to invest money ireland 2022. The experts at La Vida – Golden Visas can help you decide on the best option for you and your family.

Ireland Investment Visa Process

The steps towards an Irish investment visa are as follows:

1. Consultation with professionals. Because of the high amount of funds involved with the Immigrant Investor Programme, before you start the application process, you are advised to consult with experts in the field, such as La Vida – Golden Visas.
2. Online application to the Irish Department of Justice. Once you are clear regarding the investment you wish to make, you must send an email to the Irish Department of Justice, containing:

• A complete application form, outlining the investment.
• Business plan and an executive summary of your investment.
• Required supporting documents, such as proof of your net worth, evidence of the source of your funds, etc. See all supporting documentation on the “Document Checklist” below.

1. Payment of the application fee. You must pay the application fee of €1, via bank transfer to investments besides stocks and bonds Irish Department of Justice. The bank details are listed on the Immigration website of Ireland.
2. Mail application to the Department of Justice. Once your bank transfer has been complete, you must mail these documents to the Immigrant Investor Unit of the Irish Department of Justice:

• Original signed application form.
• Proof of payment of the €1, fee.

1. Evaluation by an Independent Evaluation Committee. The Department of Justice will present your investment proposal and all documents to an Evaluation Committee. The Committee makes a recommendation on your application to the Minister of Justice.
2. Pre-approval letter. If the  Evaluation Committee and the Minister for Justice approve your proposal, they will grant you a pre-approval letter. This letter invites you to make your investment, where to invest money ireland 2022. You have to transfer the necessary funds after you receive your pre-approval letter.
3. Registering your stay in Ireland. Once your investment is finalized, you will receive a letter granting you the right to live in Ireland. You and your family must make an appointment to register your residence at the registration office in Dublin. You will all receive residence permits (known as Stamp 4) that are valid for two years and can be renewed.

Document Checklist for Ireland Investor Visa

Depending on your investment, you have to submit the following documents via email to the Irish Department of Justice:

Enterprise Investment

• Comprehensive business plan. The plan must clearly highlight the financial investment made for the visa as well as the extent of the equity you will acquire in the business. There is a business plan template available on the website of the Irish Immigration website.
• If investing in an existing business, submit the business’ latest audit records.

Investment Fund

• Detailed profile of the investment fund, that clearly states the following:
  • Investment strategy
  • Source of funding
  • Investment pool for the fund
  • Target return on investment; and
  • Employment projections of the investments under the fund.

Real Estate Investment Trust (REIT)

• An indication that you wish to invest in a REIT. Do not state which listed option you chose, so as to avoid the leak of sensitive information.
• Proof you have the necessary funds for the investment.

Endowment

• The business plan template, available on the Irish Immigration website. You can adapt the template for the purpose of this type of investment.
• Details of how your investment will be used and how it will benefit the general public.

All applicants (regardless of the investment) must submit these documents as well:

• Proof of your net worth. You must show proof you have at least €2 million, acquired legally.
• Proof of funds for the investment. You must prove you have the necessary funds for the investment and that you can transfer them to Ireland. You have to clearly identify the funds intended for the investment in the relevant section of the application form.
• Proof of the source of funds. Your funds must have been obtained legally, through one of the following methods:
  • Business and investment activities
  • Sale deeds.
  • Inheritance or gifts.
  • Divorce settlement.
• Evidence of character. You (the investor) and any family member over the age of 16 must submit a statement of character from the police authorities in any country in which you have lived for longer than six months in the past ten years.
• Due diligence report. You must submit a due diligence report from an international risk- management and security-screening organisation.

Can You Live in Ireland Indefinitely as an Investor?

Yes, you can. If you make an investment in Ireland, you will initially receive a two-year residence permit, which can be renewed for another three years. After this five-year period, you may withdraw your application and can extend your residence permit indefinitely (every five years), as long as you:

• Have maintained your initial investment for at least five years.
• Do not become a financial burden on Ireland.
• Do not become the subject of a criminal investigation.
• Do not get charged with a criminal offence.

Can You Acquire Irish Citizenship by Investment?

As an investor, you can acquire Irish citizenship after living in Ireland continuously for at least five years. The residency requirements are:

• In the year immediately preceding the citizenship application, you must have days (one year) of continuous reckonable residence* in Ireland.
• In the eight years before the application, you must have had 1, days (four years) of continuous reckonable residence in Ireland.

*“Continuous reckonable residence” in Ireland means that during one year, you must not have been outside Ireland for longer than six weeks in total. So, if, in a certain year, where to invest money ireland 2022, you were outside Ireland for more than six weeks, you cannot calculate that year as “continuous reckonable residence” at all.

Related Information: