Defined Benefit (DB) Pension schemes are fast becoming a foot note in the financial history books. Once considered the Rolls Royce of pensions, over the past 25 years the number of DB schemes has dwindled from over 22,000 back in 1996 to a little over 600 today. Of the schemes still in force, 75% are […]
Author Archives: paddyry
9 Reasons to Choose a Mortgage Broker Instead of Applying Directly to a Bank
Should I Use a Mortgage Broker or a Bank? Short answer? You should use a mortgage broker, of course! Specifically, Seaspray Financial Services. But of course we would say that, so let’s examine the main benefits of using a mortgage broker versus applying to a bank directly. 1. Advice on Multiple OptionsQuite simply, a bank will […]
Monthly Investment Update – April 2020
Summary After seeing a severe shock in March, equities have rebounded strongly in April and into the start of May. We are over a month on now from those equity lows, and we have seen a performance bounce almost across the board with many indices chalking up double-digit gains. Gold also had a strong […]
What happens if you miss a monthly Premium on your Protection policy during the Covid 19 Crisis?
April 20th, 2020 What are the consequences if you miss a monthly Premium for your Protection policy? ** In these unprecedented times we are all being advised to ‘manage our cashflow’ and cut back on unnecessary expenditure in order to get through this crisis. One effective way to do this is to do a full […]
Quarterly Investment Update – Summary
Since our 2020 investment note in January, things around the world have changed dramatically, we have all been presented with a very unique situation which nobody could have foreseen. Volatility and uncertainty never feel good, but the foundation underlying them is important. Daily market moves in response to the COVID-19 outbreak have matched the scale […]
2020 Investment Outlook
Seaspray Financial Services Ltd – 2020 Investment Outlook The past year will be remembered as a moment of reckoning for central banks. US stocks traded peacefully through a holiday-shortened Christmas Eve session, in contrast to the turmoil one year ago, holding on to gains that have made this the best year for equities since 2013. […]
Markets Update H2 2019
August 20th, 2019 Summary: Since our investment note in April, equity markets have trended flat to positive. We are now seeing a slightly more worried picture around the global growth outlook. This can be seen in falling long-term government bond yields, the inverted U.S. yield curve, the slowdown in global trade, and weak global manufacturing […]
Q1 2019 Investment Update
Summary Global Equity markets have started the year exceptionally well, helped by progress on US-China trade talks, the dovish pivot from global Central Banks, better than feared economic data coming out of the US along with comments made by ECB that the board is considering a new round of targeted longer-term refinancing operations (TLTRO). Year […]
We Are Hiring!
Financial Advisor Location: National Payment: Not Disclosed Terms: Permanent | Full Time Job Description: Seaspray Financial Services Ltd is a new and exciting financial advisory and wealth management business. The founder of the firm has over 30 years in the wealth management world and has recently launched the firm to offer financial services to both […]
Seaspray Financial arrange funding to bring new lease of life to forgotten Dublin buildings
Breathing new life into unused old buildings is the aim of Danoj Developments headed by Irish entrepreneur Daniel MacAuliffe, a scion of the Guiney family of Clerys department store fame. In contrast to most developers who prefer greenfield sites or brownfields, which have the potential for scale developments, Danoj has set its sights on more […]