So, if market timing is a mirage, what can you do? Here are five alternative options that make more sense — and none requires you to possess a crystal ball.Continue reading “Don’t time the market, try this instead.”
It is often said that well paid members of the public sector have “Rolls Royce” pensions. We often get asked by our private only medical consultants,
“How much do I need to put into a pension to at least receive the same pension as I would if I was on a B* or a C contract?”Continue reading “Private Medical Consultants: Funding a private pension”
The following is a list of the contract types for HSE medical consultants:
- Type A. This is for medical consultants who work exclusively in the public system.
- Type B. This allows medical consultants to undertake private work in the same hospital as their public commitments.
- Type B*/C. The C contract is the newer version of the old B* contract and there are no geographic limitations on medical consultants undertaking private work in Ireland.
In a 2019 research paper entitled ‘How to increase the odds of owning the few stocks that drive returns‘, global asset manager Vanguard revealed a telling statistic. Between 1987 and 2017 just under half of the 3,000 largest stocks listed in the US delivered a negative return.Continue reading “Picking stocks is harder than you think”