Unio Employee Benefits

Historic Automatic Enrolment legislation passed both Houses of the Oireachtas just before the Dáil summer recess and is due to come into effect in early 2025. Around 800,000 employees, between the ages of 23 and 60, who earn at least €20,000 a year and who are not already members of a workplace pension, will be automatically enrolled in the new scheme. Read more ⬇ Unio Employee Benefits is holding a webinar on Monday next, July 15th from 10 to 10:30am to update employers on the imminent introduction of the new legislation. Preparing for Auto-Enrolment in Ireland: A Comprehensive Guide for Employers. Register here: https://lnkd.in/eWu_7z_U Learn the key components and what the next steps should be to ensure compliance and maximise benefits for employees.  #employeebenefits #autoenrolment #pensions #employers

Welcome to the Unio Weekly View, our summary of macro and market news. In summary: ➡ In macro news, UK inflation data will be released on the 17th. The current rate stands at 2.0% however core inflation is up at 3.5%. All eyes will be on the ECB on the 18th as it makes an interest rate call. Most economists are expecting the base rate to be maintained at 4.25%. ➡ Earnings will continue to dominate market news this week after relatively strong results from JP Morgan and Goldman Sachs in recent days. The focus this week will be on healthcare companies with UnitedHealth and Johnson & Johnson reporting on the 16th and 17th respectively. Watch our investment briefing in full below: ⬇ 📽 At Unio, we are here to help. If you have any questions on any of the information provided in this update, speak to your Client Manager or contact us at enquiries@unio.ie.

We're #hiring a new Pension Administrator - DC Shemes in Sandyford, Dún Laoghaire-Rathdown. Apply today or share this post with your network.

We're #hiring a new Pension Consultant in Sandyford, Dún Laoghaire-Rathdown. Apply today or share this post with your network.

Welcome to the Unio Weekly View for the week beginning 8th July 2024, our summary of markets and macro news. In summary: Earnings season kicks off this week with the main focus on the big banks and asset management companies. The 12th will be a busy day with JP Morgan, Wells Fargo and Citigroup all posting their Q2 results. With interest rates remaining high, it should result in positive net interest income for the banks, however on the flip side, the level of M&A activity and the revenue that flows from it may not be as high. On the macro side, in France, the recent snap election has resulted in a hung parliament while in the US uncertainty around President Biden’s ability to run as the Democratic nominee grows. It's worth looking out for inflation data in both the US and China over the week. Chinese inflation data will be released on the 10th whilst CPI data in the US will be published on the 11th. The current headline and core inflation rates in the US are 3.3% and 3.4% respectively. Watch our investment brief: 📽 ⬇ At Unio, we are on a mission to guide, guard and grow our clients' wealth by providing unparalleled full financial life advice. If you want to learn more, speak with your Unio adviser or get in touch at info@unio.ie. #macronews #marketsnews #m&a #frenchelection #uselection #inflation #us #china

'Changing of the Guard in the UK and France: Implications for Ireland.' Join us for a post-election analysis webinar on the UK and French elections, discussing the implications for Ireland and Europe. Don't miss this insightful discussion on the political shifts and their broader impact. Takes place this Wednesday ,10th July, at 11am. Speaker and registration details via the link ⬇ #ElectionAnalysis #UKPolitics #FrenchElections #Europe #Webinar

Welcome to the Unio Weekly View for the week beginning 01 July 20204, our summary of markets and macro news. View our full investments brief ⬇📽 - All eyes are on the UK this week as the general election takes place on the 4th. The Labour Party holds a commanding lead in the polls with c.42% in favour of a Keir Starmer government. Despite a strong performance in the final debate, Rishi Sunak still faces pressure after a betting scandal involving elected Tory officials makes headlines. - In the US, the Federal Open Market Committee (FOMC) minutes for the month of May will be released on the 3rd. The minutes should give some insight into policy officials thinking on when the first rate cut will come. And on the 5th, unemployment and non-farm payroll data will be released. Last month unemployment broke the 4% mark as higher interest rates continue to slow the US economy. - The Japanese Yen fell to its weakest level against the US Dollar in 4 decades last week. Traders now expect the Bank of Japan to intervene and support the currency. The fall in the Yen coincides with investors pairing back expectations of Fed rate cuts throughout the year. - On the earnings side, some big British names have their AGMs this week. On the 2nd, Marks & Spencer has its AGM followed by Sainsburys and JD Sports on the 4th. #marketnews #macronews #japaneseyen #usdollar #ukelection #fed #interestrates #frenchelections

Welcome to the Unio Weekly View for the week beginning 10 June, 2024, our summary of macro and markets news. This week in summary: - After the ECB’s rate cut last week, attention will turn to the US where the Federal Reserve will make an interest rate call on the 12th. The current rate stands at 5.5%, however there is an expectation that rates will stay unchanged at the upcoming meeting. On the same day, the inflation rate for May will be released in the US. Current headline inflation stands at 3.4%. - Economists have pencilled in the September meeting as when the US central bank may start to cut rates. - In markets news, Oracle Corp will announce their Q4 earnings on the 11th. The stock has performed strongly YTD, up c.18.6%. - Adobe post their quarterly results on the 13th. The stock has sold off c.21% YTD in part due to the collapse of its $20bn buyout of Figma. At their Q1 results, management did provide weaker than expected Q2 guidance. - And finally, Nvidia became the second most valuable company in the world after surpassing Apple and breaking through the $3 Tr Market Cap value. At Unio, we are here to help. If you have any questions on any of the information provided in this update, speak to your Client Manager or contact us at enquiries@unio.ie. #interestrates #usinflation #fed #oraclecorp #adobe #nvidia #marketnews #macronews #employeebenefits Prepared by Aaron Dempsey, Investment Analyst at Unio.

At this month’s Global Macro Council, we examined the case for dollar weakness, or correspondingly a pickup in the currencies that one contributor, Harvinder Kalirai of Alpine Marco, referred to as the ‘anti-dollar’, i.e., the euro. In the case of the euro, there is a cyclical case to be made that, with several rate cuts from the ECB about to ‘arrive’, and signs that activity is beginning to pick up across the large European economies, the relative economic momentum between the US and the euro-zone will begin to narrow. This month, we were fortunate to be joined by guest speakers Hugh Gimber at JP Morgan, and Harvinder Kalirai at Alpine Macro. Thank you both for sharing your insights and expertise. Read May’s Global Macro Outlook in full ⬇ How can we help? At Unio, we are here to help. If you have any questions on any of the information provided in this update, speak to your Client Manager or contact us at enquiries@unio.ie. #interestrates #inflation #ecb #fed #europe #euro #us #dollar #macro #insights

Unio celebrates it’s first anniversary! It’s been an exciting year, reimagining wealth and employee benefits. Thank you to our clients and employees for being such an important part of our journey so far. To mark this milestone, Unio will make a contribution to the Unio Community Impact Fund which is aimed at supporting clubs and charities across Ireland. This contribution reflects the kind of business Unio strives to be, our commitment to making a difference in our community and enriching lives. Looking to the future our focus continues to be on providing our clients with the highest level of advice and expertise. Once again, thank you for your custom and support.