News

Bank of Ireland urges caution following new combined text and call scam threat.

Fraudsters have developed a new tactic to trick consumers into handing over their bank details, according to Bank of Ireland. Customers are first receiving a text which is then shortly followed up with phone calls to convince them to pass on their banking details. Note : Below are extracts from an article published in The …

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We are hiring!! LIFE & PENSIONS FINANCIAL ADVISOR....

Seaspray Financial Services Ltd is looking for an experienced financial advisor to join our growing team. We are Dublin-based, however this will be a hybrid role with split time between home and office to be negotiated. Please see detailed job specification below or download a copy here. Please forward your application with your CV via …

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Fixed, tracker or variable: What should borrowers do?

Anyone with a variable rate mortgage should switch to a fixed rate immediately…. The report below takes extracts from an article published by The Irish Times( 31st October 2022) by Brendan Burgess, founder of askaboutmoney.com.     References Burgess, B. (2022) ‘Fixed, tracker or variable: What should borrowers do?’, Irish Times, 31 October. Available at …

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ECB increases interest rates by 0.75% again

27-10-22…….. The European Central Bank raised interest rates again today and signalled it was keen to start shrinking its bloated balance sheet, taking another big step in tightening policy to fight off a historic surge in inflation.   The following are extracts taken from an RTE.ie article on October 27th, 2022. RTE.ie(2022) outlines the latest …

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Patience and time in the markets versus timing the markets!!

The chart below illustrates the journey of four investors, each of which started investing in Zurich’s Balanced fund (risk level 5) at the same date in early 2000.   Download this chart here    Tel:  +353 1 70 70 000           or       info@seasprayfs.ie   Seaspray Financial Services Ltd trading as Seaspray Mortgagesis regulated by the Central …

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Ireland takes small yet historic step on workplace pensions....

Decades of talk may be leading to mandatory auto-enrolment pension scheme for workers from 2024…       References Irish Times (2022)  Ireland takes small yet historic step on workplace Pensions. October 11th. Available at: https://www.irishtimes.com/business/2022/10/11/ireland-takes-next-small-step-on-workplace-pensions/ . (Accessed 11 October 2022).    Tel:  +353 1 70 70 000           or       info@seasprayfs.ie   Seaspray Financial Services Ltd …

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European Cybersecurity Month

National Cyber Security Centre (NCSC) and the Garda National Cyber Crime Bureau (GNCCB) launch joint public awareness campaign for European Cyber Security Month….     References Department of Justice, Department of the Environment, Climate and Communications (2022) ‘National Cyber Security Centre (NCSC) and the Garda National Cyber Crime Bureau (GNCCB) launch joint public awareness campaign for …

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It’s time to invest in Climate Adaptation

A key element of our investment philosophy and portfolio construction at Seaspray Financial Services, is the desire to create positive long term sustainable, impactful, and responsible investment solutions and for our clients. There is a clear trend towards investment in Environmental, Social, and Governance (E.S.G) factors in the investment decision making progress, with Central Banks, …

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