Investment Advice | One Plan Financial

Investing

At One Plan Financial, we help you invest wisely - with a clear strategy that aligns your money with your goals, time horizon, and comfort with risk. Saving money alone rarely builds real wealth. Inflation quietly reduces your purchasing power over time - meaning that what €100,000 buys today could buy much less in 10 or 20 years. Investing gives your money the opportunity to grow faster than inflation and to work for you, rather than sitting idle in a deposit account.

We can help you to:

Grow your wealth over the long term
Beat inflation and maintain purchasing power
Build financial freedom - so your money supports your goals

How we invest - our philosophy

Our approach is simple: focus on what you can control, ignore what you can’t, and stay invested for the long term.

We believe successful investing comes from:

Clear goals: Every investment should have a purpose - retirement, education, income, or future wealth.
Diversification: Your portfolio is spread across global markets, asset classes, and investment styles to reduce risk and capture opportunity.
Evidence-based decisions: We rely on data, not headlines. Long-term evidence shows that time in the market beats timing the market.
Low costs and tax efficiency: We use cost-effective funds and tax-efficient structures to help your money compound faster.
Discipline through market cycles: Staying calm through volatility is key to achieving lasting success.

3 Principles of Long Term Investing

Cash is Not King

While cash returns have increased in recent years, it has not kept pace with inflation which has increased even more. Whilst inflation is now off its highs, it is likely to stay well above 0% in the years ahead

Diversify

Diversification means
spreading risk by mixing a range of asset classes within your portfolio. A well-diversified portfolio might include equities, bonds, alternatives, property, and cash and helps smooth the return over the long run.

Stay Disciplined

Staying the course could
better serve you in achieving your long-term financial goals. 7 of the 10 best days for market gains historically have happened in Bear Markets – so switching your funds after they fall could lead to you missing these upswings.

Investment options:

We don’t believe in “one-size-fits-all” investing. We’ll match your investment strategy to your personal plan and risk profile. Typical solutions include:

Managed Investment Funds - diversified portfolios combining equities, bonds, and other assets.
ESG & Sustainable Funds - options that align your money with your values.
Regular Savings Plans - flexible monthly contributions to build wealth over time.
Lump Sum Investments - for inheritance, bonus, or sale proceeds.
Tax-efficient structures - such as Bare Trusts and Section 73 policies for inheritance planning.

Our Investment Process:

Understand your goals - what do you want your money to achieve?
Assess your comfort with risk - we help you discover your true risk profile.
Build your portfolio - tailored investments from Ireland’s top fund managers.
Review regularly - ongoing advice to keep your plan on track as life evolves.

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