Holding US stocks and estate planning considerations

According to the American Chamber of Commerce Ireland, there are over 160,000 Irish people directly employed by roughly 700 US multinationals in Ireland. Share based compensation is a common way for these employers to provide additional rewards to attract and retain talent.   This often results in employees holding significant US shares in their investment portfolios. This has two major risks:

  • Estate planning risk
  • Single stock risk
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Glass half full or empty

The turmoil of 2020 will leave investors with many lessons. The most significant of those may be that the biggest risks to markets are always the ones we don’t see coming.

There are, however, many more subtle things to learn from last year as well. The extremes in markets, from the lows in March to the astonishing surges in shares like Tesla, have shown how unpredictable things can be in the short term.

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Medical Consultants: Buying back years for HSE pension

We are often asked about the merits of buying back years for pension purposes. It is possible to buy back actual years worked and notional years when there are gaps in past service. Below we have summarised the key information in relation to buying back actual years that were worked but previously cashed in.

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