INVESTMENT STRATEGIES FOR GROWTH
Investments
Building Wealth with Proven Strategies
At Prosperous, we believe investments are made overly complex to create jobs for the boys (more than 80% of wealth managers in Ireland are male!). At Prosperous, we take a different approach: investments should be simple and boring. We’re happy for our clients to get rich, slow.
Don’t get us wrong we believe you should do it right, we use empirical data, years of experience and Nobel-winning research and apply all that when building an investment portfolio that meets your needs but we do it in a way that you will understand and don’t try and overcomplicate things to make us seem “clever”
At Prosperous, we believe that successful investing starts with understanding your unique goals, risk tolerance, and financial situation. Whether you’re building wealth for retirement, funding a major purchase, or growing a legacy for future generations, we offer tailored investment solutions that are aligned with your specific needs.
What we offer...
Tailored Investment Portfolios
No two investors are the same, which is why we create investment portfolios tailored to your goals, risk tolerance, and time horizon. We focus on designing diversified portfolios that align with your vision and reflect your unique priorities.
Tax-Efficient Investment Strategies
Maximising your investment returns involves not only choosing the right assets but also ensuring tax efficiency. We will help you decide whether investing in tax-free environments like pensions is the right route for you, or if a CGT portfolio or the exit tax option better suits your needs. Our goal is to enhance your portfolio’s growth potential in the most tax-efficient way possible.
Long-Term Growth and Wealth Protection
Successful investing is about balancing growth with security. We diversify your portfolio across asset classes, sectors, and regions to protect your wealth while delivering long-term growth, ensuring you are well-positioned for market fluctuations.
Our Investment Process
Initial Consultation
If you’ve ever met with a financial advisor before, you’ve likely encountered the standard risk questionnaire—a tool designed to gauge how much risk you can tolerate before pulling the plug on an investment. Many advisors stop there, offering you a portfolio that aligns with your maximum risk tolerance.
At Prosperous, we take a different approach. While we acknowledge the importance of this questionnaire, we believe it’s just one part of the puzzle. We build a financial plan around you—your life, your goals, and your aspirations. By doing so, we can calculate your required rate of return—the return you actually need to achieve your financial goals.
If your required rate of return is low, we won’t recommend high-risk investments, even if you have a high appetite for risk. Instead, we prioritise investments that meet your needs while minimizing unnecessary exposure to risk.
We also assess your capacity for loss. To ensure your financial security, we back-test your investment plan. For example, we simulate how your portfolio would perform in a crisis like the 2008 market crash. If your finances wouldn’t survive such an event, we adjust the risk downward.
Stock market declines – or “temporary declines,” as we call them – occur every 3-5 years, with 80% recovering within three years. By stress-testing your plan now, we prepare you for these inevitable dips, ensuring you’re confident and resilient when they occur.
Portfolio Development & Diversification
At Prosperous, we believe asset allocation is critical. Deciding how much to invest in shares versus bonds is one of the most important decisions you’ll make, and we’ll guide you to a balance that suits your needs.
Diversification is equally important. Your portfolio will be well-constructed and globally diversified across continents, countries, and sectors—from tech and pharma to transport and beyond. This ensures you’re not overly exposed to any single market or industry.
Tax Efficiency
Successive governments have narrowed the scope for clever tax strategies, but we leverage what’s available and stay on top of legislative changes. Our goal is to ensure your portfolio remains as tax-efficient as possible, tailored to your specific circumstances.
Ongoing Monitoring & Adjustments
How regularly you review your investments is entirely up to you. We constantly monitor our clients’ portfolios, but we recommend meeting with us at least annually. If you prefer more frequent reviews, we’re happy to accommodate that.
In fact, one of the reasons we have an open-door policy is to ensure your investments aren’t “renting space in your head.” At Prosperous, you can meet with us as often as you need—without worrying about a clock running.
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Frequently Asked Questions
The right investments depend on your goals, risk tolerance, and timeline. We’ll guide you through options such as stocks, bonds, and other assets to suit your needs.
Diversification involves spreading investments across sectors, regions, and asset classes. We’ll ensure your portfolio is well-diversified to balance risk and return.
We’ll help you determine whether a pension, CGT portfolio, or exit tax strategy best suits your goals, ensuring maximum tax efficiency.
While we monitor your portfolio continuously, we suggest meeting annually. If you’d like more frequent reviews, our open-door policy means you’re welcome anytime—at no additional cost.
Prosperous Financial Planning Limited is authorised under Regulation 30 of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 to engage in the business of being a Mortgage Credit Intermediary on behalf of the following undertaking(s): Finance Ireland Credit Solutions DAC t/a Finance Ireland, Avantcard DAC t/a Avant Money, Haven Mortgages Ltd, Dilosk t/a ICS Mortgages