njcfinancial.ie

Investments

We can help you put your spare cash to good use to build and conserve wealth tax-efficiently. How you do this will depend on your goals, timescale and attitude to risk. Are you saving for a deposit on a house in five years, your children’s university fees in ten years or your retirement in twenty-five years? Do you think of yourself as the kind of person prepared to take risk, or do you prefer some certainty? We use a simple questionnaire to help you understand how much risk you are prepared to take, and then recommend funds that match this risk. We can then agree going forward how often you wish to review your investments to make sure they remain in line with your risk profile, and check whether your attitude to risk has changed.

Retirement Planning

Retirement planning is more important today than ever before. The government still offer excellent tax breaks for those who save for their retirement. Whether you are self-employed, an employee or an employer, NJC Financial Services will talk you through the best retirement plan for you. When you retire, your income will stop and your income will drop. The state pension is inadequate for the needs of most people. The state pension looks to be unsustainable in its current format, and indeed may not be available in the future. It is highly likely that the age for a state pension will increase in the future. These are just some of the reasons pension planning is essential.

Life Assurance

If somebody financially dependent on you would suffer as a result of your untimely death then you require life assurance. Life Assurance is used to pay off a loan or mortgage, in the form of mortgage protection. If you have children who are financially dependant on you, you need to have life assurance. Life assurance is for the people left behind, rather than the person who takes the policy out. An untimely death creates untold emotional grief; life assurance takes away the added burden of financial difficulties.

Mortgage Protection

Mortgage Protection is life assurance that runs alongside your mortgage. The level of cover set to reflect the amount of your mortgage. As the balance of your mortgage reduces, so does the level of cover. Mortgage Protection is a cost effective way of paying off your mortgage in the event of death, or serious illness. NJC Financial Services can advise you on the type of policy that is suitable for your circumstances. Importantly, we will endeavour to get you the most keenly priced policy available.

Income Protection

NJC Financial Services will advise you on the level of cover you need, the length of time you need the cover. Income protection has many elements to it, we will provide you with the most suitable policy, and the most competitive premium available.

Savings

Gone are the times of indulgence and borrowing. Now holding onto money is the key for most of us. It may be for that dream holiday or your children’s education. Whatever your savings goal is, NJC Financial Services can advise you on the best savings plan for you. If you don’t have a specific savings goal, you can still start putting money away for the future. €50 per month will set you on the road to building a nest egg.