Insights

InsightsNewsUncategorised
4th August 2025

Navigating the Crypto Hype

The cryptocurrency (crypto) landscape, and that of other digital assets, continues to evolve. Recent headlines – coinciding with the rise in the price of cryptocurrencies such as Bitcoin - have…
Emily Keenan
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InsightsNewsUncategorised
31st July 2025

The EM Pendulum

It's easy to forget, after a decade dominated by US stocks, that investing is not about chasing what has just done well, but about building a portfolio that is robust…
Emily Keenan
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InsightsNewsUncategorised
3rd July 2025

The Price of Innovation

In the ever evolving world of investing, Artificial Intelligence (AI) has become a buzzword synonymous with innovation and the promise of high returns. But its integration into investment portfolios raises…
Emily Keenan
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InsightsNewsUncategorised
23rd May 2025

From Letting to Regretting

For decades, individuals have had a deep-rooted obsession with property, often viewing buy-to-let investments as a surefire path to wealth. However, the reality of managing such properties, with its financial…
Emily Keenan
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InsightsNewsUncategorised
7th April 2025

Stick To The Plan

Market volatility can be uncomfortable—but it’s not unusual. In fact, it’s a feature of investing, not a flaw. Donald Trump has shocked the global markets over the past week since…
Emily Keenan
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InsightsNewsUncategorised
28th March 2025

A Few Things About Gold…

This shiny metal always glistens most brightly when it has just risen in value. In the past 12 months, the price of gold has nearly doubled. Recency bias and the…
Emily Keenan
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Uncategorised
10th February 2025

Client Experience Specialist

As one of Northern Ireland’s leading Financial Advisory Firms, Pacem is a boutique practice which offers a unique Financial Planning & Accountancy Business Advisory service. As a company we are…
Emily Keenan
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InsightsNewsUncategorised
13th January 2025

2025: Looking Backwards and Forwards

Being an investor can be emotionally challenging. If we have a bad year (like 2022), we feel uncomfortable, and even after a couple of good years (2023 and 2024), we…
Emily Keenan
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InsightsNewsUncategorised
10th December 2024

Playing the Probabilities

Five Key Probabilities for Investment Success   In life we make probability-driven choices all the time (can I cross the road safely, despite that approaching car? etc.). By-and-large, we weigh…
Emily Keenan
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InsightsNewsUncategorised
26th November 2024

Diversifying in the US

As the year draws to a close, 2024 truly has been the year of elections. This year, it was forecasted that more voters than ever, across 64 countries, would head…
Emily Keenan
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InsightsNewsUncategorised
8th November 2024

Presidents Change, Markets Remain

Another four years have flown by, and here we are again, on the morning of the 60th U.S. presidential election. The U.S. president is often considered one of the world’s…
Emily Keenan
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Uncategorised
5th November 2024

Financial Planning Analyst

As one of Northern Ireland’s leading Financial Advisory Firms, Pacem is a boutique practice which offers a unique Financial Planning & Accountancy Business Advisory service. As a company we are…
Emily Keenan
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Uncategorised
5th November 2024

Financial Advisory Academy Placement Programme

As one of Northern Ireland’s leading Financial Advisory Firms, Pacem is a boutique practice which offers a unique Financial Planning & Accountancy Business Advisory service. As a company we are…
Emily Keenan
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InsightsNewsUncategorised
31st October 2024

Autumn 2024: Budget Round-Up

National Insurance  On an employer level (class 1 NIs) the rate will increase from 13.8% to 15% from 6th April 2025. This will apply on employee earnings above £5,000 (rather…
Emily Keenan
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InsightsNewsUncategorised
25th October 2024

Setting Sensible Expectations for Investment Returns

"Man has the hardest job of all, the job of making decisions on incomplete data." Henry Kuttner When market returns are kind, as they have been in recent times, it…
Emily Keenan
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InsightsNewsUncategorised
11th October 2024

The Golden Illusion

By its very nature, the investing industry is full of differing views on how one ought to invest their hard-earned cash. One of the more polarising debates is whether an…
Emily Keenan
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InsightsNewsUncategorised
30th September 2024

The Importance of Rebalancing

Rebalancing is the practice of realigning the components of a portfolio of investments back to a target allocation from which it has drifted away. Naturally, the process is a contrarian…
Emily Keenan
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InsightsNewsUncategorised
4th September 2024

Investing is Simple, but Not Easy

It is a simple statement that the decision to invest in the first place provides an opportunity to protect hard earned savings from inflation, and perhaps grow further. It is…
Emily Keenan
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InsightsNewsUncategorised
19th August 2024

In Investing, Time is Your Friend

One of the great challenges that all investors face is that there is no easy or quick way to investment success. Aesop's fable of the tortoise and the hare is…
Emily Keenan
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InsightsNewsUncategorised
23rd July 2024

The Big Bond Bounce – Back (For Some)

Most investors would probably like to forget the poor performance of both bonds and equities in 2022 and early 2023.  For many investors it was their first real experience of…
Emily Keenan
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InsightsNewsUncategorised
17th June 2024

Politics and Portfolios

It feels like 2024 is the year of the election with over 64 happening in various countries around the world covering around 50% of the world’s population!  These range from…
Emily Keenan
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Uncategorised
28th March 2024

Financial Advisory Summer Internship

As one of Northern Ireland’s leading Financial Advisory Firms, Pacem is a boutique practice which offers a unique Financial Planning & Accountancy Business Advisory service. As a company we are…
Emily Keenan
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InsightsNewsUncategorised
9th January 2024

2024 – Looking Backwards and Forwards

Over the longer term, investors expect a positive, after inflation return from investing in company shares and lending money to governments and companies by owning bonds.  Unfortunately – and inescapably…
Emily Keenan
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InsightsNewsUncategorised
18th December 2023

A Tribute to the Wisdom of Charlie Munger

Charlie Munger, the lifetime business partner of Warren Buffett at Berkshire Hathaway, passed away in late November at the ripe old age of 99.  He was a deep thinker about…
Emily Keenan
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InsightsNewsUncategorised
26th October 2023

Investment impact of the unfolding tragedy in the Middle East

Everyone has been touched by the horrific events and unfolding human tragedy in Israel and the Gaza Strip, and many are concerned by how this might escalate into a wider…
Emily Keenan
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NewsUncategorised
17th August 2023

Pacem Supports ‘Brewing Ideas & Crafting a Business’

Pacem is delighted to continue it’s efforts in supporting early-stage businesses and entrepreneurs by partnering with Belfast City Council & Innovation Factory on the upcoming ‘Brewing Ideas & Crafting a…
Admin
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NewsUncategorised
22nd June 2023

Winners Crowned at Belfast Business Idea Award 2023

A busy mum of three has been crowned this year’s Belfast Business Idea winner for her innovative range of plastic-free hair and skincare products for children. Sarah McKegney pitched her…
Admin
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Uncategorised
26th May 2023

Marketing, Communications and Events Executive

As one of Northern Ireland’s leading Financial Advisory Firms, Pacem is a boutique practice which offers a unique Financial Planning & Accountancy Business Advisory service. As a company we are…
Admin
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InsightsNewsUncategorised
19th May 2023

Just a few stocks drive market returns

It is sometimes easy to forget that when markets rise and fall, we are looking at this through an aggregated, market-capitalisation weighted lens.  In reality, the fortunes of individual companies…
Admin
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NewsUncategorised
18th May 2023

Supporting Innovation: Pacem Backing the 2023 Belfast Business Idea Award

Pacem is delighted to, once again, support the Belfast Business Idea Award 2023. The Idea Award, supported by Belfast City Council, Danske Bank, Pacem, Open University and Innovation Factory, differs…
Admin
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InsightsNewsUncategorised
1st May 2023

Don’t just take our word for it!

We fundamentally believe that a systematic approach to investing provides the best chance of experiencing a successful investing journey. Sticking to some key guiding principles – which are grounded in…
Admin
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InsightsNewsUncategorised
13th April 2023

FAKE NEWS!! Active outperforms passive!!

Unfortunately we now live in a world of fake news and ‘alternative facts’ where parties shamelessly push their own agenda at the cost of salient facts.  In order to be…
Admin
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InsightsNewsUncategorised
30th March 2023

Anchors Aweigh

By and large, behavioral science suggests that human beings make lousy investors. Whilst we are excellent problem solvers, we suffer from a whole host of well documented biases that, on…
Admin
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Uncategorised
24th March 2023

Planning Analyst / Senior Planning Analyst (Dependent on Experience)

As one of Northern Ireland’s leading Financial Advisory Firms, Pacem is a boutique practice which offers a unique Financial Planning & Accountancy Business Advisory service. As a company we are…
Admin
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InsightsNewsUncategorised
15th March 2023

Lessons from Silicon Valley Bank’s demise

The spectacular work ‘Another Place’ by the British sculptor Antony Gormley, of one hundred naked men scattered along 1.5 miles of Crosby Beach in Liverpool, provides a useful twice-daily reminder…
Admin
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InsightsNewsUncategorised
16th February 2023

Missing the best days in the market

Most investors – at some time – will be either tempted to time when to be in or out of equity markets – or wish they had when markets fall. …
Admin
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InsightsNewsUncategorised
2nd February 2023

The error of reacting to market falls

Being an investor is never easy because, as humans, we tend to live in the moment responding to our emotions, the environment around us and the circumstances we find ourselves…
Admin
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InsightsNewsUncategorised
2nd January 2023

2023 – Looking backwards and forwards

At the start of 2022 investors needed reminding that investing is not an easy game, despite having enjoyed around a decade of relatively strong – and fairly consistent - market…
Admin
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InsightsNewsUncategorised
15th December 2022

Value Worth Waiting For

Sensible investing is about taking on sensible risks in your portfolio, which starts with owning equities over cash.  Historical data and logic tell us to expect a premium for doing…
Admin
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InsightsNewsUncategorised
9th December 2022

Pacem Shortlisted for 3 Eastside Awards!

Pacem is delighted to announce that we have have been shortlisted in three categories for the 2022 Eastside Awards. The Eastside Awards exist to showcase the best in East Belfast…
Admin
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