Prudent Management Group

While we have been having the “risk profile” conversation for many years, the value and beliefs one is relatively new when it comes to investing. Considering your investment choices in terms of temperature is a very visual and real way of aligning investment choices and decisions with the impact they may have. This is a conversation that we take a great deal of time over with our clients. Then using our expert skills and knowledge we’ll put together a proposal that is unique to them.

Temperature Alignment and Carbon Neutral Certification The carbon neutral program’s aim is to help catalyze the shift toward a carbon neutral economy and alignment with the Paris Agreement.

This week we’ll be keeping a close eye on what is taking place at COP27. The annual event is being hosted in the green city of Sharm El-Sheikh in Egypt and marks the 30th anniversary of the adoption of the United Nations Framework Convention on Climate Change. As a world we now have a better understanding of the extent of the potential climate crisis and what needs to be done by all of us to address it effectively. The theme this year is around unity and looks at the areas of mitigation, adaptation, finance and collaboration. There are over 50 separate sessions across the 4 themes and full information is available on the website.

https://cop27.eg/ #/.

We are passionate about ESG investing and offer advice on this area to both existing and new clients through Prudent Environmental Investing, our dedicated ESG service.

If you’re spooked by the idea of taking out a mortgage or frightened by what seems like a daunting process, don’t be! At Prudent Financial we have been successfully helping families and professionals with their mortgage applications for many years. We’ll take you through the essential steps you need to ensure you get a mortgage best suited for your life style and at the most competitive rates. With the easing of mortgage lending rules from January 2023, now is the time to consider all of your options so just get in touch and we can guide you.

In case you missed it! Introducing Leanne Salmon BA (Hons) QFA. Anyone who deals with us in Prudent Financial and Prudent Environmental Investments deals with Leanne from time to time. So we thought it would be good to share a little more about the fascinating person behind the smiling face and helpful voice in our recent newsletter.

Introducing Leanne.... Anyone who deals with Prudent Financial and Prudent Environmental Investments, deals with Leanne at some stage. Leanne joined us in 2019 as an apprentice through the LIA pathway. Since then not only has she earned her full QFA designation but has also just received a First Class Honours Level 8 B.A....

Although written for a UK audience, this is a very useful checklist on what you need to consider at various ages in terms of your pension and retirement planning. For a guiding hand and expert advice, just give us a call for an initial chat.

https://www.which.co.uk/money/pensions-and-retirement/starting-to-plan-your-retirement/how-to-plan-for-retirement-a9tzg1h766h9

Retirement planning: how to prepare for retirement - Which? Use this free Which? guide to understand how to plan for your retirement at different ages and our expert checklist to get yourself ready for retirement day.

The pension tax deadline for the self-employed is looming. This means that pension planning is high on many individual's agendas, as using your pension can be a very efficient way of saving tax. But did you know that your investment choices can also help save the planet? So not only will you be doing good for your financial future, but you’ll also be doing good for the world around you.

https://bcove.video/3D7x9jH

Today is World Mental Health Day. This provides us with an opportunity to re-kindle our efforts to protect and improve mental health. It is just as important to take care of our mental health as our physical health. We see, in our own industry, the increasing level of income protection claims for psychological reasons. In 2021, these were cited as the main, or joint main, cause for claims. If you or someone you know is struggling with their mental health, there is lots of help at hand so do reach out.



https://www.mentalhealthireland.ie/need-help-now/

Many people just don't know they could save money by switching their mortgage and interestingly some 40 per cent of respondents in this survey said they haven’t considered switching because of the effort involved. And that's exactly where Prudent Financial can help. We do all the hard work for you and guide you through the essential steps when you are considering switching. It is our job to review the options on offer that are most suitable for you and offer the most competitive rate to you. Just contact us today if you'd like to have an initial chat about switching your mortgage and benefitting from the savings that you may achieve.

Only 1% of mortgage holders likely to switch lenders despite potential savings Almost nine out of 10 customers would save average of €90 per month if they switched, says Daft

While climate change is high on everyone's agenda, it is not the only element of ESG investing. The social and governance aspects are becoming increasingly important to investors. This interesting article details why this is and how the three strands are intertwinned.

Let’s Not Leave Behind the S & G in ESG Investors--and policymakers--should consider sustainability issues holistically.