SAVINGS & INVESTMENTS

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Halpin Wealth and Mortgages

Make your money work harder

Whether you are building a lump sum, saving for a goal, or putting surplus income to work, we will match your money to the right investment strategy for your situation.

Talk to Us About Your Savings

Leaving money in a deposit account is a quiet financial mistake

In an era of inflation, cash sitting in a low-interest account is losing real value every year. We help clients put capital to work in a way that reflects their attitude to risk, their time horizon, and their goals, whether that is building long-term wealth, funding a child's education, or creating a solid financial buffer.

The right investment depends on what is already in place around it

We take time to understand your full financial picture before making any recommendation. Your savings and investment strategy should fit around your pension, your protection, your mortgage, and your tax position, not exist in isolation from them.

Before You Invest

Build Your Emergency Fund FirstMost financial planners recommend having 3 months of income set aside before investing surplus capital
Understand Your Risk ProfileEvery investment carries some level of risk. We assess your attitude to risk before making any recommendation
Tax EfficiencyHow you hold your investment can be as important as where you invest. We structure everything to minimise unnecessary tax
Our ApproachWe review your full financial position before recommending any investment product

What We Cover

Savings and Investment Products We Advise On

We advise on a broad range of savings and investment options. The right choice depends on your goals, your timeline, and what you already have in place.

Whether you have a lump sum to invest or want to start a regular savings plan, there is a structure that suits your situation. We take the time to understand what you are trying to achieve before recommending anything, because the wrong product in the wrong wrapper is an expensive mistake.

Lump Sum Investments

  • Invest a single amount across diversified funds
  • Matched to your attitude to risk and time horizon
  • Structured for tax efficiency from the outset
  • Regular review to ensure the plan stays on track
  • Suitable for inheritance, property sale proceeds, or savings

Regular Savings Plans

  • Benefit from euro cost averaging over time
  • Flexible, pause or increase contributions as life changes
  • Goal-based planning for education, property, or wealth

Investment Bonds

  • Access to a wide range of underlying funds
  • Tax on gains deferred until withdrawal
  • Suitable for both lump sums and regular contributions
  • Can be used for inheritance and estate planning

Education Savings

  • Goal-based plan targeting third-level education costs
  • Regular or lump sum contributions
  • Child Benefit investment to put monthly payments to work
  • Investment strategy shifts as the target date approaches
  • Start early, even small amounts compound significantly over time

Corporate Investments

  • Invest retained company profits in a tax-efficient structure
  • Access to a broad range of funds within a corporate wrapper
  • Structured to complement your business needs

Diversified Investment Funds

  • Spread your investment across equities, bonds, property and cash
  • Funds matched to your risk profile from cautious to adventurous
  • Actively and passively managed options available
  • Regular rebalancing to keep your portfolio on track
  • No single exposure to one asset class or market

Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.

How It Works

Our Investment Process

We do not recommend anything until we understand your full picture. Here is how we work.

01

Initial Conversation

We discuss your goals, your timeline, and what you already have in place.

02

Risk Assessment

We assess your attitude to risk to ensure any recommendation is right for you.

03

We Make a Recommendation

We recommend the most suitable product and structure for your situation.

04

Ongoing Review

We review your investment regularly to keep it aligned with your goals.

3 Months

Recommended emergency fund before committing money to longer-term investments

Inflation

Cash in a deposit account loses real value every year. Investing puts your money to work

Long Term

The longer your investment horizon, the more potential for growth and the lower the effective risk

What Our Clients Say

Google Reviews

  • Highly recommended, truly customer- focused financial advisers. Very good communication and clear explanation to all the queries from all. I... read more

    Katarzyna Gortat Avatar Katarzyna G.
    June 27, 2025

    I had a great experience with Drury, who guided me on managing pensions, savings and investments. He was very knowledgeable... read more

    Kate O'Keeffe Avatar Kate O.
    May 10, 2025

    I went for a financial review with HWM. What a helpful and eye-opening experience. The meeting was not intimidating at... read more

    Rebecca Avatar Rebecca
    December 13, 2024

  • Recently had an appointment with Sam. I’m in my 40’s and wanted to have a better setup for my finances when... read more

    Caroline Neville Avatar Caroline N.
    April 13, 2025

    I met with Sam who immediately put me at ease. She took time to answer all of my questions (I... read more

    Shane Henchin Avatar Shane H.
    October 13, 2024

    I had a financial advisory session with Ben and I couldn’t rate his services high enough! I thought I knew... read more

    Elena Bersadschi Avatar Elena B.
    May 13, 2024

  • The team at Halpin Wealth Management were really great to deal with. Ben answered every question I had in really... read more

    Katherine Fitzpatrick Avatar Katherine F.
    May 5, 2026

    Sheila at Halpin Wealth Management provided a personal, friendly, and professional service throughout. Our consultation with Ben was excellent—he offered... read more

    Rachael Shorten Avatar Rachael S.
    September 23, 2025

    I found Ben at Halpin Wealth Management to be a trusted and informed advisor when it came to my pension.... read more

    David Cowzer Avatar David C.
    May 6, 2025

Talk to us about where your savings should be working

A free, no-obligation conversation could make a significant difference to your financial position.

Book a Free Consultation

Got Questions?

Frequently Asked Questions

You can start a regular savings plan from a low monthly amount. For lump sum investments, the minimum varies by product but is typically 20,000 euros or more. The most important thing is not the amount you start with but having a clear goal and a structure that suits your situation. We will advise on what makes sense for where you are now.
Saving typically means putting money into a deposit account where it is accessible but earns little return. Investing means putting money into assets such as funds, bonds, or equities with the expectation of higher returns over time, accepting that values can go up and down. Investing is generally more appropriate for money you do not need in the short term and can leave untouched for several years.
Investment returns in Ireland are generally subject to Exit Tax at 38% on gains within investment funds and bonds. Capital Gains Tax at 33% applies to direct investments such as shares. The structure of your investment can significantly affect your tax position. We factor tax efficiency into every recommendation we make.
Most investment products allow access to your money, though early encashment may result in charges or a loss if markets have fallen since you invested. This is why we always recommend having an adequate emergency fund in place before committing money to longer-term investments. We will be clear about liquidity terms before you commit to anything.
Child Benefit is currently 140 euros per child per month. Rather than spending it or leaving it in a current account, investing it through a regular savings plan from birth can build a significant education or life fund by the time your child reaches 18. Even modest amounts invested consistently over 18 years can accumulate substantially thanks to compound growth.
Your attitude to risk describes how comfortable you are with the possibility that your investment value could fall in the short term in exchange for the potential of higher returns over time. We assess this through a structured conversation before making any recommendation. There is no right or wrong answer. What matters is that your investment matches how you actually feel, not how you think you should feel.
Yes. Any firm providing investment advice in Ireland must be authorised and regulated by the Central Bank of Ireland. HWM is fully regulated and all investment recommendations must meet the suitability requirements set out under the Consumer Protection Code. This means our recommendations must be in your best interests based on your personal circumstances.

Also of Interest

Our Other Services

Savings and investments work best as part of a complete financial plan. Explore our other services below.

Financial Planning
Find Out More →
Protection
Find Out More →
Retirement Planning
Find Out More →
Mortgages
Find Out More →

Your money should be working as hard as you do.

Book a free, no-obligation consultation and find out where your savings should actually be.

Book a Free Consultation Call 021 203 2090

Halpin Wealth Management Ltd. t/a Halpin Wealth and Mortgages is regulated by the Central Bank of Ireland. These pages are for information purposes only and do not constitute financial advice.
Warning: The value of your investment may go down as well as up.
Warning: Past performance is not a reliable guide to future performance.