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  • Online Banking News – Financial Information from RaboDirect Ireland
    apply PRSA fees FAQs The Blog Check it out Open Account Log in Home More The Blog Check it out Blog Economic and Financial Market Commentary October November 2015 Submitted by Killian Nolan Investments Manager RaboDirect on Thursday 5 November 2015 No comments Category Investments This Morningstar commentary talks about economic performance during Q3 the softer start in Q4 and the trends forecast for 2016 Read more Economic and Financial Market Commentary August September 2015 Submitted by Gina McCrudden Customer Proposition Manager on Thursday 29 October 2015 No comments Category Investments This Morningstar commentary talks about economic performance during Q3 the slow down in developed economies from Q2 and the improving trends forecast for Q4 and into 2016 Read more Irish Investors confident about outlook of the economy Infographic Submitted by RaboDirect ie on Monday 24 August 2015 No comments Category Investments The results from our recent Investment Barometer our back and we have crunched the numbers in this infographic Read more RaboDirect Investor Barometer Another investor 1 000 richer Submitted by Gina McCrudden Customer Proposition Manager on Monday 17 August 2015 No comments Category Investments We d like to say another big thank you to all the customers who took part in July s investment barometer and congratulate the winner Read more In Search of Investment Returns in a Low Growth Environment Submitted by Dr Stephen Kinsella Economics University Limerick on Friday 24 July 2015 No comments Category Investments Author and lecturer Stephen Kinsella discusses why Investors are turning to equities commodities and property investment to try and achieve a greater return on their savings Read more Page 1 2 3 4 Next Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings 48 Theme Education 1 Holidays 1 Life Money 11 Property 7 Retirement 7 Weddings 16 Need

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=1&category=Investments (2016-02-16)
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  • Robeco help dispel the myths surrounding sustainable investing
    Check it out News Articles blog Robeco help dispel the myths surrounding sustainable investing Submitted by Gina McCrudden Customer Proposition Manager on Thursday 05 December 2013 No comments Category Investments In this video Robeco help dispel the myths surrounding sustainable investing They explain that it s not about being green or giving money away It won t limit your stock range and it s not on the fringe In fact 1 US Dollar in every 9 under professional management can be considered sustainable investment More than you d have thought right Maybe it s time to swat up on the facts If so this short video is a great place to start Previous post Plan for the Future open a Business Notice Saver Account today Back to Blog Post comment Name Please fill in your name Email address For verification only it will not be published Please fill in your email address Please fill in a valid email address Comment Please fill in a contribution or question Please type in the code shown below Please type in the verification code All comments are moderated and posted live during working hours Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/robeco-video-sustainable-investing.aspx (2016-02-16)
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  • The RaboDirect Straight Talking Investment Seminar Highlights
    RaboDirect Straight Talking Investment Seminar The Highlights Submitted by Gina McCrudden Investment Marketing Manager on Wednesday 26 June 2013 1 comment Category Investments We recently played host to a night of straight talking investments at The Shelbourne Hotel in Dublin It was fantastic to see so many of our customers there but we realise not everyone lives in Dublin or could make it along so we wanted to share as much of the content as possible here so no one misses out Who was on the panel David Kerr Ireland s most prominent consumer champion and founder of bonkers ie chaired our event kept the chat flowing and took questions from customers for our speakers Gary Connolly iCubed explained the difference between actively managed and index tracking funds and presented the cases for both as part of a diverse portfolio Marc Coleman Newstalk touched on the economic situation in Ireland and provided an outlook for the global economy over the next 12 months Killian Nolan Head of Investments at RaboDirect welcomed everyone to the event and took questions from customers on everything from fees to loyalty products Previous post Growth Opportunities in the Global Economy Back to Blog 1 comment Add comment Thanks for the synopsis Will be pleased to hear of further events Naomi Brennan Posted on 07 March 2013 8 55 am Post comment Name Please fill in your name Email address For verification only it will not be published Please fill in your email address Please fill in a valid email address Comment Please fill in a contribution or question Please type in the code shown below Please type in the verification code All comments are moderated and posted live during working hours Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings 48 Theme Education 1

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/rabodirect-straight-talking-investment-seminar.aspx (2016-02-16)
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  • Marc Coleman talks growth opportunities in the Global Economy
    over 2 per cent next year That contrasts with a decline in Euro zone GDP this year and growth of just over 1 per cent next year Growth won t reach US levels but there are grounds for concern about how sustainable US growth really is given government indebtedness which continues to mount alarmingly Growth opportunities in BRIC Growth opportunities in the BRIC countries Brazil Russia India and China appear to have defied the recession with China forecast to lead this bloc with growth of over 8 per ce3 nt this year and next Chinese inflation will also be relatively subdued reflecting more policy discipline In higher inflation Brazil and India growth is sufficiently robust to merit investor attention in the right sectors Nor are the BRICs the only opportunities beyond the developed world Ten significantly sized countries with a combined population of 1 3 billion people will record growth rates of at least 3 per cent and as high as 7 per cent next year Issues of inflation political stability and legal regime are obviously a factor affecting the desirability of investment in some of these economies But by combining sectoral and regional investment perspectives rich growth opportunities can be tapped One example of this relates to one of the most rapidly growing sectors of the world economy Online retail Projected growth for online retail in the US between 2012 and 2017 a 41 per cent is already impressive But for China the projected growth between 2012 and 2020 is for a staggering 340 per cent with online sales set to reach 650 billion in value Demographic growth Demographic growth offer huge opportunities also In Ireland alone the population has increased by nearly 400 000 since 2006 in spite of recession CSO population forecasts estimate further growth of approximately 300 000 between now and 2020 Globally the trends are even more impressive UN 2010 forecasts are for an extra billion people to inhabit the planet in the coming decade For a food producing nation like Ireland and for sectors like food technology the opportunities are obvious With population growth is coming a rise in urbanisation globally and the numbers of those in middle income brackets those earning between 10 and 50 per day At particular income per capita levels depending on the goods concerned consumption of consumer goods and services like White Goods ICT products and software and branded products begins to take off The challenge for investors is to anticipate and exploit these phases of exponential growth There are unfortunately clouds on the horizon however Weary of tackling government overspending politicians are instead turning to the idea that taxation is not heavy enough or that protectionist policies essentially a zero sum game can substitute for real reform and restructuring The end of quantitative easing by US and British monetary authorities is inevitable and will bring with it renewed pressure on fixed income markets and perhaps on international property investments Politically September s German election has the possibility to

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/global-economy-overview-and-opportunities.aspx (2016-02-16)
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  • Investing.... it can’t hurt to have the Fund Providers' Top Picks
    undecided when it comes to selecting funds Interest rates on savings accounts are starting to level out across the board so if you re willing to accept some degree of risk for higher returns it s a good time to weigh up your options We re delighted to see savers starting to pay more attention to sneaky terms and conditions too that annoying small print that can make seemingly attractive rates drop or disappear altogether if you don t toe the line As a saver it s important to ask questions so you really understand what you re getting from your bank because the impressive rates you see on ads won t always apply to you It s like we always say no one s ever going to care about your money more than you so it s important you know what s available to you You can find out more about our investment account here if it s a route you re considering If you ve some investment experience already The new Top Picks list can be just the reminder you need to review your portfolio make sure you re well diversified and not at risk of over exposure in any particular area And if you ve been out of the market for a little while it s a good chance to see what the experts think before getting back in They re not sure things chance would be a fine thing but the Top Picks are well worth a gander if only to keep up to speed with what the experts think Why not let us know what you think Thanks for reading Gina Tweet Previous post Saving for your Pension Back to Blog 1 comment Add comment It s great to find an expert who can epxailn

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/top-picks-blog.aspx (2016-02-16)
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  • Confidence in Irish econmoy stabilises
    per cent of investors are confident about the global economy which is a marked decrease on the previous barometer in April 2012 when confidence stood at 57 percent However despite the fall the latest figure is still well ahead of the situation a year ago when confidence in the global economy stood at just 20 per cent 37 per cent of Irish investors are confident about the outlook for the Irish economy over the next three months While confidence in the global economy may have dropped Irish investors are becoming increasingly more favourably disposed to the global stock market with 72 per cent of investors saying there is value to be had there compared with 66 per cent in April This positive view is borne out in the growing appeal of shares over cash with shares emerging as the preferred asset class amongst investors for the first time since April 2011 Also of note is that cash was the preferred asset class for 33 per cent of investors 40 per cent April 2012 while shares were preferred by 41 per cent of investors 38 per cent in April Bonds meanwhile are progressively edging their way back into favour They were the preferred asset class of 21 per cent of investors in the latest barometer compared with 19 per cent in April The emerging markets remain the region where most investors would consider investing 40 per cent However in the latest barometer the USA at 24 per cent has pipped Asia at 22 per cent 23 per cent and 26 per cent respectively in April 2012 followed by Europe at 15 per cent 16 per cent April 2012 The results of the latest barometer offer some reassurance regarding investor sentiment and their confidence in the Irish economy and more importantly their

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/Confidence-in-Irish-econmoy-stabilises.aspx (2016-02-16)
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  • Gary Connollys Guide to Investments
    even no risk It s is hard wired into all human beings but is incongruent with the way financial markets actually work The key is to be realistic On the basis of long term historic performance figures the returns for each asset class will differ A more meaningful measure is return per unit of risk notwithstanding my reservations about the use of volatility as the measure of risk This combines risk and return and allows you to compare investments between asset classes 3 Time Before investing you should be clear about the time horizon for which the investment is being made Certain investments e g equities are not suitable over the short term Often the investment objective will determine the duration e g investing for education on behalf of young children is long term whereas investing for a deposit on a house would typically be more short term 4 Access A requirement for short term access to funds would steer you in the direction of liquid investments like deposits offering greater access Some investments offer unrestricted access to funds while others can be relatively illiquid The requirement for an income is also an important consideration which would fall into this category The investment goals established at the outset will determine the need for access 5 Charges terms and conditions Very often the investment decision will have been made before consideration is given to charges and general terms and conditions Emphasis should certainly be on value for money and though cheapest is not necessarily best the one thing you can be certain about in the investment world is fees You can t say the same thing about performance Pay close attention to charges as the miracle of compounding returns can sometimes be overwhelmed by the tyranny of fees The most widely accepted principle of investment is diversification This is simply an investment approach based on spreading your allocation over a number of asset classes which sounds intuitively sensible and straight forward It s recommended the world over yet it is one I have found to be followed with almost total indifference There are any number of reasons why this might be the case Serious questions were asked of the efficacy of this approach during 2008 when virtually all asset classes sank in unison I suspect the main reason however is that investors despite the evidence to the contrary are over confident in their ability to predict the future Objective investment decisions involve forming expectations about what may happen If you have too much faith in the precision of your estimates you ll inevitably underestimate the range of possibilities that actually exist You may underestimate the extent of possible losses for example and therefore underestimate investment risks This is not a lesson that needs to be learned twice by anyone who s invested in Irish property over the last five years The case for diversification is robust but is probably a theme under which a separate comment could should be made Whatever

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/Gary-Connolly-A-Guide-to-Investments.aspx (2016-02-16)
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  • David McWilliams Q&A with RaboDirect
    opinion it s criminal that we are on the hook for their greed but that s the way If they let Anglo go under I feel that it will help enormously as Anglo s book will not need to be in NAMA It will take about ten years to unravel as the State will not be in any hurry to see the banks writing down huge losses particularly when the banks will still have problems raising private capital I think it will succeed but the costs will be very high in terms of banking charges in Ireland for the next few years so it s not good for growth NAMA might succeed but the costs will be huge Question I know you don t have all the answers but I ve read your work for a long time and have always been interested in your opinion Any thoughts on how you think the Irish banking landscape will look in two years time David Very tricky NAMA gives the banks a free lunch particularly now since the ECB will buy the bonds issued by the banks for cash This means that they ll have cash but it doesn t necessarily mean they will lend it out Without the accelerator of property these banks are just like expensive utilities and therefore low growth stocks All of the views expressed in this blog are purely the personal views of David McWilliams and are based on his personal experiences and knowledge at the time of writing No responsibility will be taken by RaboDirect for any content contained in any post neither does RaboDirect represent or warrant the content of any post For more information Legal Tweet Back to Blog 50 comments Add comment Thank you for your contributions However this blog is now closed for further comments Check out our latest blog entries here RaboDirect Posted on 24 January 2012 1 46 pm Hi Robert Thanks for your comment we re sorry to say David is no longer available to answer questions on this post But we have new faces appearing on the blog all the time so keep an eye on the site as we may have another guest blogger who can help with this or any other questions you have up your sleeve Thanks again for taking the time to drop us a line Gina Gina McCrudden RaboDirect Posted on 29 July 2010 7 40 am could you please tell me how money is created in the irish banking system ie monetery or fiat system and would it be true to say all money in our system is creadted from debt ty vm robert Posted on 27 July 2010 7 19 am David if you were to buy gold bullion what price would you pay to get in Also why are you not appearing on PRIME TIME and Vincent Brown s program KEEP SPEAKING OUT GOD BLESS YOU DAVID PADDY paddyos Posted on 28 March 2010 5 23 am concerning the Greek fears of default Could consumer power be harnessed in EU countries in order to encourage a surge in Greek exports to aid them in their fiscal difficulties I think that consumers hold enormous power in their choices of how they spend their money Maybe if the EU involved it s citiziens more politically it would have the ability to rally support from a mass individual response If Ireland is the main trader with GB could it have a duel currency with no extra bank fee for the priviledge The banks and the EU owe us some concession This might suit the boarder problem and protect the German interest Just testing the unthinkable Why not noreen g Posted on 15 February 2010 1 09 am Influence can be defined as the power exerted over the minds and behavior of others A power that can affect persuade and cause changes to someone or something In order to influence people you first need to discover what is already influencing them What makes them tick What do they care about We need some leverage to work with when we re trying to change how people think and behave www onlineuniversalwork com henrylow Posted on 26 December 2009 9 56 am Ireland is a bad place to invest money at the moment the stock market will not go up for years to come deposit rates will be low for a while and property will fall by another 30 Rabos investment accounts look to be the only way to invest in global stocks at a low entry and exit If you have cash at the moment and very few have don t buy a house don t leave it on deposit invest in Euro large stocks not IRE or UK paddyj Posted on 22 December 2009 7 24 am Big thanks to everyone who took the time to read comment or send questions to us on David s blog We hope you found the answers he provided useful David has finished responding to questions for now but if you ve any other comments or opinions you d like to share be our guest Gina McCrudden Investments Marketing Manager Posted on 21 December 2009 6 02 am David Given that cuts in social welfare were necessary don t you think that these cuts could have been achieved in a different way For example a recently carried out investigation exposed fraudulent abuses of the social welfare system which could amount to 1 in 7 or conservatively 1 in 10 fraudulent recipients to the tune of 1 to 3 billion euros It would therefore have been enough to tackle and stem out these abuses to achieve the goal of saving on the social welfare bill without applying the only too convenient draconian across the board shortcut Secondly given that the Irish economic crisis is primarily rooted in the lack of any form of control and regulatory system by the government don t you think that if rent control alone had been introduced at the beginning of the Celtic Tiger perhaps developers builders banks and government might have acted with moderation and not allow such an astronomical rise in house prices thus limiting all sorts of speculations and profiteering which caused the collapse of the construction industry and with it of the Irish Economy Thirdly I often hear that the cost of living in steadily going donw in Ireland I would like to ask how on earth can one make such statement Are those who are stating this basing their analysis on the fact that Marks and Spencer now offer dinners for two for merely 12 50 or that one can buy a shirt for only 8 in Penney s What about the all the other costs which are still some of the highest in many cases the highest in Europe Let us consider items such as commercial and private rents private health insurance premiums motor tax car insurance electricity gas dentists charges public transport petrol car wash charges parking fees clamp release charges TV License TV Channel Services Connection fees mobile phone call charges restaurant prices down to the exorbitant price of espresso coffees etc These are real items of expense in every day living which are still there glowing in their exorbitance and certainly not decreasing Concetto La Malfa Concetto La Malfa Posted on 17 December 2009 4 17 am Why are rabo s rates no longer competitive Are the other banks overpaying out of desparation or is rabo trading off people s ignorance now that they have a brand position in the market Mike Posted on 08 December 2009 11 35 am Hi Concerned Too It is no surprise to me that another contributor has experienced the same problem i e does a prediction of a further fall of for example 30 in house prices mean 30 of current or boom price Nobody that I have spoken to seems to know for sure And it is a frighteningly relevant question for those who are waiting for the bottom of the market to be reached If only commentators could say those magic words of the current value or of the value at the height of the boom Regards Still Concerned Finbar Posted on 07 November 2009 11 57 am Dear David thanks for your clear words on the financial crisis Please keep us also informed in future We need people like you Thanks again Heide heide Posted on 20 October 2009 10 30 am my grandmother was irish and i done some study on her name williams and i found out that it was mcwilliams that they dropped mc when her family come to the usa to keep from being discriminated against sharon williams Posted on 12 October 2009 4 41 am do you really think that a house selling for maybe 650 to 700 euro in 2006 will sell in 12 months time for 250euro in 2010 up the dubs Posted on 08 October 2009 9 17 am How would you get this economy going We need people with vision here Yes we can Dee Dee Posted on 07 September 2009 2 03 am Two issues First I cannot foresee this Government having the political will to implement all or the majority of the Bord Snip proposals Therefore we will end up being financed and regulated by the IMF i e the Govt can then try to manoevre an external body into taking the flak from the public for it s own incompetence Better to do it now then rather than drift at E400 million borrowing a week Second we have as I write a challenge by the High Court via a re application by Zoe Developments which has been entertained by a guy with the name of De Valera to the efficacy of the judgement of the Supreme Court If it should succeed it will set the precedent of a lower court making a mockery of the highest court in the land Events become more bizarre and dangerous by the day Bruce Posted on 15 August 2009 10 01 am Hi Mike Thanks for your comment Just a few things on this our rates are still competitive as long as you compare apples with apples with our on demand Savings Account which gives you 24 7 access to your money online with simple and non restrictive T C s the rate is not that bad And when you look at our Term Deposit rates over the longer terms we re actually one of the more competitive providers in the market if you should wish to put your savings away for a little while In relation to your question about the other banks overpaying out of desperation it is my view that in most cases in the current market there is a certainly a clear relation to risk and return In this current climate banks tend to offer high deposit rates to attract deposits to meet the higher funding demands they have The current rates from RaboDirect reflect its very sound triple A rating and the security we can provide to you as a saver Our on demand rate of 2 remains at 100 basis points above the current ECB rate of 1 By the way be sure not to be fooled by the many headline rates out there They look great but many of them have quite limiting T C s It is of course your money and you re free to choose where you put it But if you are looking for fair rates decent and transparent products backed by one of the safest banks in the world we re not such a bad place to deposit your savings Roel Roel van Veggel General Manager RaboDirect Posted on 13 August 2009 11 09 am One thing I ve constantly felt about the property market in ireland is that the overall hyperinflation conflicted with massive discrepancies in the qulaity and placement of individual developments One thing I notice in particular is how massive inflation of prices ouside of the tradition hinterland in Dublin Cork and Galways in particular occured despite many of these homes being built in areas with poor infrastructure and no sustainable transport systems to the cities they feed Does David feel that the current property price falls will continue as they currently do to be an across the board fall Or will we start to see micromarket developments where houses in places outside of the main cities collapse due to the final dawning that they are simply not sustainable as commuter homes for those cities Laura Posted on 13 August 2009 2 37 am Hi David If the bank Bond and Shareholders are being baled out by the taxpayer and they sell at a profit on some future date should there be a levy on their profits in return for the bale out Joe B Posted on 08 August 2009 11 06 am Hi David There is speculation that a new world reserve currency will be pushed through by the China Russia etc Part of the consequences may be a worldwide devaluation of debt and fiat currencies How do we protect ourselves from such devaluation Physical or ETF Gold Am I missing any other defence against what is coming at all of us Dermot Healy Dermot Healy Posted on 07 August 2009 1 36 am Hi David I m a small business owner searching for a positive in the Anglo and banking debarcle Two questions 1 Could Anglo be sold in the current international market if its development debt was first taken by NAMA or would there be nothing left could this be a way of adding international competition back into the Irish market or have we copmpletely burned that bridge 2 Would NAMA consider selling some of its new property portfolio to small business for owner occupancy at attractive state sponsored interest rates perhaps interest only This would help support small business and make the loans perform albeit at a low return until recovery of the economy jono Posted on 31 July 2009 6 27 am RaboDirect has NO plans to leave Ireland We re in a really positive and stable position We re holding our own and looking forward to building further on our really strong position in Ireland as the straight talking online bank offering simple and transparent savings and investment products to many more customers Recently the ratings agencies Standard Poor s and DBRS reaffirmed Rabobank s AAA credit rating in their recent updates in June 2009 and July 2009 Great news for RaboDirect and Rabobank in general particularly in these turbulent times There s been a lot of media attention around ACCBank recently And yes we are owned by the same parent the Rabobank Group but we operate independently of ACCBank We have a separate management team different business strategies a completely different business model and separate profit loss accounts We are also covered directly under the Rabobank group and fall under the Dutch deposit guarantee system RaboDirect is not involved in loans business to the Irish property sector or has no involvement in corporate loan business for that matter We have always and will continue to focus on offering simple savings accounts and mutual funds online 24 7 365 days a year And we plan to do that for many more years to come Simple as that Roel van Veggel General Manager RaboDirect Posted on 29 July 2009 10 57 am I have money deposited with Rabo I would like to know if my money is guaranteed or is there a safer option Carmel Walsh Posted on 28 July 2009 8 59 am David we have recently opened a deposit account with Rabo Given the recent media coverage over Acc bank and Rabos apparent aggressive attempts to cut their obvious losses in Ireland is there any worry over deposits if it all goes wrong or are we covered under a similar bank guarantee with the Netherland s Dermot Boyle Posted on 27 July 2009 9 58 am David Big fan Are you compromised given the website Is Rabo the safe bank and if not which are the safe banks for deposits What s your opinion on credit unions MARK Posted on 24 July 2009 12 10 pm David Given the rate at which Ireland the UK and the US are borrowing money which will screw their taxpayers for years to come which english speaking country is likely to offer the best after tax standard of living to ordinary people over the next 10 years I m guessing Australia Pete Posted on 21 July 2009 10 21 am Well done Rabo for bringing this useful question and answer forum with David Williams Well done Rabo via ACC bank for requiring the developer to pay back his loan Why should the big guys be allowed to not pay back loans Marian Posted on 20 July 2009 11 59 am David Do you think countries like Bulgaria will come out of this recession sooner than Ireland and property in Bulgaria is a good to long term investment Timithy Posted on 20 July 2009 4 08 am I fully agree that Anglo Irish bank should be let go John Posted on 16 July 2009 12 23 pm David I m interested in hearing your thoughts on the culture of regulation in this country and whether the Central Bank and the Regulator will learn anything from the current crisis It appears to me that the retirement of the Regulator is a token gesture that masks the major problems at the top level of the organisation Financial Regulator 2009 Posted on 16 July 2009 12 13 pm Hi David If you wre minister for finance how would you handle are public finance in order to turn around the economy Martin Posted on 16 July 2009 10 57 am David I am a fan I like your style but I do not feel you

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/david-mcwilliams-QA.aspx (2016-02-16)
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