Invest from €100 per month
Complete flexibility of payment and access to funds at any time without penalty
No entry fees or exit penalties
No exit penalties and is flexible in that you can encash at any time
Tax deferred until withdrawal
Tax is deferred until withdrawal, allowing interest to roll up tax-free each year
Compound Growth averaging 5-10%
Compounding becomes more powerful over time
The Benefits
- Tailor Made
- Growth Potential
- Compound Growth
- Advice You Can Trust
5000+
Medium Term – 4 years plus Savings & Investment options
Medium Term – 4 years plus Savings & Investment options
All investing involves risk, but short term market ups and downs are normal. Reacting to these movements often does more harm than good. Time in the market and diversification help reduce risk and smooth returns, giving investments the opportunity to recover and grow over the long term.
Features of the Alpha Savings & Investment Club
Invest from €100 per month
Invest from €100 per month, with the flexibility to change, pause, or make lump-sum payments anytime.
No exit penalties
No exit penalties and is flexible in that you can encash at any time
100% of your contributions invested
We reduce fees so that 100% of your contributions are fully invested in the plan.
Tax deferred until withdrawal
Tax is deferred until withdrawal, allowing interest to roll up tax-free each year
What returns should you expect?
What returns should you expect?
These funds provide the best opportunity to get a diversified savings/investment which is typically in the medium and medium- high risk ranges, offering returns of 5-10% per annum over a 5 year period and beyond. (average of over 8% per annum over the last 7 years).
Investment Performance
Annualised returns (pa) to 31 August 2025
| Fund Name | 1 Year (pa) | 3 Year (pa) | 5 Year (pa) | 10 Year (pa) |
|---|---|---|---|---|
| Alpha Fund | 6.21% | 15.13% | 10.42% | 9.63% |
Worked Example
The cost of doing nothing can be tens of thousands of euro.
Invested vs Not Invested
€5,000 lump sum + €250/month over 8 years
Compounding becomes more powerful over time ↗
Years
■ Invested (6% return) ■ Not Invested
■ Invested at 6%
€38,778
■ Not Invested
€29,000
Benefit of investing
€9,778 +33.7% more
Extra money earned from 6% annual returns
Assumptions used:
✓ €5,000 lump sum
✓ €250 per month
✓ 8-year time horizon
✓ 6% assumed annual return
For illustration purposes only.
Past performance is not a reliable indicator of future results. Returns are not guaranteed.
Who We Are
Who We Are
Alpha Wealth, established a decade ago in Cork, is one of Ireland’s leading Financial Services Advisors. We provide individuals and companies with comprehensive financial advice and solutions. Our mission is to empower clients towards a happier and more secure financial future. At Alpha Wealth, we offer a broad spectrum of financial services including asset management, retirement planning, tax advice, and investment strategies.
Why can you trust Alpha Wealth’s wealth management?
- Our financial advisors are QFA and CFP® qualified, ensuring you receive advice you can trust.
- We provide impartial financial advice and full transparency to over 5,000 clients nationwide.
- We have managed client assets worth more than €500 million over the last decade.
Testimonials
I went into this consultation with an amount of financial objectives and was not sure if they could be met. The consultation was excellent and Nick has given me a roadmap on how to reach my objectives. The required steps by me were explained in a very straight forward manner and all made perfect sense. I would highly recommend the services of Alpha Wealth.
Still have questions?
If you didn’t find what you were looking for, feel free to reach out — our team is always happy to assist.
Contact UsFAQs
A Mortgage Advisor focuses on arranging your mortgage. They’ll assess your eligibility, compare mortgage products from lenders, and help you secure the loan.
A Financial Advisor looks at the bigger picture. We help you save for your deposit, plan your finances to afford repayments, understand the tax implications, and decide the best options for your long-term goals. We complement the work of a mortgage advisor by ensuring your overall financial plan is sound and we provide independent mortgage guidance and work with mortgage advisors without bias.
In Ireland, buyers usually require a deposit of 10% of the property price. Whilst there are government supports for certain types of properties it is generally a good habit for individuals. On top of this, you should budget for stamp duty, legal fees, surveys, and moving costs.
We help clients set up structured savings plans, maximise tax-efficient savings options, and cut unnecessary costs so you can build your deposit quicker. We give you best in class savings accounts including those with the various banks offering rates of 3% per annum interest.
Yes. The Help-to-Buy scheme and the First Home Scheme are designed to support first-time buyers in Ireland. We’ll explain how these work and whether you’re eligible.
Most banks lend up to 4 times your annual gross income, but this varies. Some exceptions allow higher multiples. We can help you assess affordability and ensure your mortgage fits within your financial plan.
Beyond your deposit, you’ll need to factor in stamp duty, solicitor’s fees, valuation and survey costs, moving expenses, and home insurance. These can add up to several thousand euro.
Yes. Mortgage protection is a legal requirement when you take out a mortgage on your private home. It is a life policy to cover the outstanding balance if you die during the mortgage term. We’ll help you secure cover at the best possible cost with maximum discount applied across all the providers in the market.
Most use a 3 year’s accounts averages out.
Yes they are but the shared equity scheme may include certain second time buyers.
Yes, You need a minimum of 2 years accounts.
Keep your cash. Building up cash gives you more opportunities.
Some charge an upfront fee but all get paid (typically 1% of the property value) from the bank the mortgage is placed with.
General rule of thumb is use 5% of the purchase price. So €12,500 on €250,000.
It depends – Are you taking advantage of limits on pension/ cleared off loans and funded appropriately for children’s education funds? If so might be an option for some of a lump sum.
A Mortgage for €350,000 will cost typically €1,500 per month. Banks generally stress test by 20% so realistically €1,800 p.m. is a good amount to save.
The key thing to remember is you need to prove you can repay the mortgage. Having a savings record and capacity from your income is really important.
A Mortgage Advisor focuses on arranging your mortgage. They’ll assess your eligibility, compare mortgage products from lenders, and help you secure the loan.
A Financial Advisor looks at the bigger picture. We help you save for your deposit, plan your finances to afford repayments, understand the tax implications, and decide the best options for your long-term goals. We complement the work of a mortgage advisor by ensuring your overall financial plan is sound and we provide independent mortgage guidance and work with mortgage advisors without bias.
In Ireland, buyers usually require a deposit of 10% of the property price. Whilst there are government supports for certain types of properties it is generally a good habit for individuals. On top of this, you should budget for stamp duty, legal fees, surveys, and moving costs.
We help clients set up structured savings plans, maximise tax-efficient savings options, and cut unnecessary costs so you can build your deposit quicker. We give you best in class savings accounts including those with the various banks offering rates of 3% per annum interest.
Yes. The Help-to-Buy scheme and the First Home Scheme are designed to support first-time buyers in Ireland. We’ll explain how these work and whether you’re eligible.
Most banks lend up to 4 times your annual gross income, but this varies. Some exceptions allow higher multiples. We can help you assess affordability and ensure your mortgage fits within your financial plan.
Beyond your deposit, you’ll need to factor in stamp duty, solicitor’s fees, valuation and survey costs, moving expenses, and home insurance. These can add up to several thousand euro.
Yes. Mortgage protection is a legal requirement when you take out a mortgage on your private home. It is a life policy to cover the outstanding balance if you die during the mortgage term. We’ll help you secure cover at the best possible cost with maximum discount applied across all the providers in the market.
Most use a 3 year’s accounts averages out.
Yes they are but the shared equity scheme may include certain second time buyers.
Yes, You need a minimum of 2 years accounts.
Keep your cash. Building up cash gives you more opportunities.
Some charge an upfront fee but all get paid (typically 1% of the property value) from the bank the mortgage is placed with.
General rule of thumb is use 5% of the purchase price. So €12,500 on €250,000.
It depends – Are you taking advantage of limits on pension/ cleared off loans and funded appropriately for children’s education funds? If so might be an option for some of a lump sum.
A Mortgage for €350,000 will cost typically €1,500 per month. Banks generally stress test by 20% so realistically €1,800 p.m. is a good amount to save.
The key thing to remember is you need to prove you can repay the mortgage. Having a savings record and capacity from your income is really important.
