News and Insights

18th November 2021

Bond Basics

We associate the term ‘bond’ with mutual connection, whether the subject is chemistry (between atoms, ions, or molecules), personal relationships (between human beings), or finance (between borrowers and lenders). The…
Employee SpotlightsUncategorised
10th November 2021

Employee Spotlight – Sean McCann

Each fortnight we will be spotlighting a member of the team so that you can get to know the people behind the Pacem brand. This week we feature one of…
Employee SpotlightsUncategorised
12th October 2021

Employee Spotlight – Rachael Mason

Each fortnight we will be spotlighting a member of the team so that you can get to know the people behind the Pacem brand. This week we feature one of…
7th October 2021

If, and, then, but…

For those readers interested in financial news (some might call it noise), the unfolding story of Chinese property developer Evergrande (a name which is ironic given its dire financial position)…
Employee SpotlightsUncategorised
21st September 2021

Employee Spotlight – Lesley Irwin

Each fortnight we will be spotlighting a member of the team so that you can get to know the people behind the Pacem brand. This week we feature one of…
7th September 2021

Retirement Rule 1

Don’t run out of money Of all the financial challenges and concerns that we face over our lifetimes, avoiding running out of money in retirement probably sits at the top…
Employee SpotlightsUncategorised
18th August 2021

Employee Spotlight – Gemma McShane

Each fortnight we will be spotlighting a member of the team so that you can get to know the people behind the Pacem brand. This week we feature Operations Manger,…
16th August 2021

Preferences and their tradeoffs

Investing is all about tradeoffs. Each choice made is paired with an implicit decision not to do some alternative; the ‘opportunity cost’. For example, by investing solely in a basket…
10th August 2021

Coronavirus Job Retention Scheme (CJRS) - update The CJRS has been extended until 30 September 2021. From 1 July 2021, the government will pay 70% of wages up to a…
26th July 2021

Irwin-McAfee joins Pacem

We are pleased to announce that, from May 2021, we have combined our business with Irwin-McAfee. Though we will be operating as one company, our clients can rely on the…
19th July 2021

All together now: ‘Costs really matter.’

The late, great Jack Bogle – the founder of Vanguard and the grandfather of index investing – left us all with a simple mantra that he repeated almost every time…
5th July 2021

Pacem Support Belfast Business Idea Award 2021

Pacem was delighted to, once again, support the Belfast Business Idea Award 2021. The Idea Award, supported by Belfast City Council, Danske Bank, Pacem, Enterprise NI and Innovation Factory, differs…
29th June 2021

The unhelpful noise of short-term performance

Investing is simple, but not easy.  The decision to invest in the first place requires foresight, as well as the discipline to deny oneself spending today so that you don’t…
23rd June 2021

Off-Payroll Working Northern Ireland

Will HMRC accept CEST result? Since 6 April 2021 large and medium-sized organisations, based on the Companies Act criteria, have had to determine whether or not a worker supplying his…
3rd June 2021

David 1, Goliath 0

It may have passed you by, but last week a little-known hedge fund called Engine No.1 (David) scored a direct hit with its shareholder slingshot to the forehead of one…
24th May 2021

Crypto Craziness

We humans are never lacking in our enthusiasm for crazy ‘investment’ ideas.  Around four hundred years ago the Dutch managed to work themselves into a frenzy over tulip bulbs.  At…
30th April 2021

April 2021 Tax News

New Personal Service Company Rules Start This Month The "off-payroll" working rules that apply to certain workers supplying their services to clients via their own personal service companies start from…
23rd April 2021

Coconuts versus sharks

If you have ever been fortunate enough to swim in the azure tropical waters of the Caribbean, or on Bondi Beach amongst the surfers, or in the chilly waters of…
16th April 2021

Pacem featured in ‘East Belfast – Our Story 2020’

Pacem is delighted to be featured in the film 'East Belfast - Our Story 2020', created by Eastside Awards. The Awards, in association with George Best Belfast City Airport has…
9th April 2021

Leverage: not without risk

Leverage, often referred to in investing as a ‘double-edged sword’, is another word for borrowing money to own more of an asset. Much like a mortgage on a house, it…
24th March 2021

Spare Room to Stellar: The Suki Tea Story

It was whilst walking from the Ravenhill Road to the Belfast’s city centre that Annie Irwin and Oscar Wooley decided to start a business. The original idea was to establish…
18th March 2021

Spare Room to Stellar: The BPerfect Story

How do you go from a market stall to a multinational, multi award-winning cosmetics brand? How do you go from a spare room to an ever-expanding local base that supplies…
11th March 2021

Spare Room to Stellar: The BLK BOX Story

Pacem is delighted to support a new initiative entitled 'Spare Room to Stellar', alongside Belfast City Council and Danske Bank. Spare room to stellar is designed to inspire and equip…
4th March 2021

March 2021 Tax – Budget Edition

Chancellor ‘Levels Up’ With Us on Tax Rishi Sunak has chosen a fine line between raising taxes to start paying down the massive Government borrowings but at the same time…
2nd March 2021

Inflation ahoy!

The word ‘ahoy!’ is an old maritime warning, usually used when either a ship or land was sighted in the distance as a warning to the crew to beware.  Today,…
11th February 2021

The madness of markets

The madness of markets As an investor, it is generally not a bad idea to ignore what is going on in your portfolio most of the time.  At the very…
29th January 2021

Bitcoin and bandwagons

Bitcoin and bandwagons In the past few months, it might appear – at least to some – that making money in markets is easy – just buy Tesla or Bitcoin…
12th November 2020

Equity markets and US Presidents

Equity markets and US Presidents The final days of Donald Trump’s Presidency are turning out to be a somewhat unedifying affair.  Enough said. Yet when it comes down to the…
29th October 2020

Negative interest rates

Negative interest rates Today, government bond yields and bank deposit rates sit very substantially – and uncomfortably - below where they were 5 and 10 years ago, in negative after-inflation…
30th September 2020


WINTER ECONOMY PLAN Here are the headlines from the Chancellors statement in Parliament on 24th September 2020 where a series of measures to help jobs and businesses were announced. NEW…
21st August 2020

Cash dividends: don’t bank on them

‘Do you know the only thing that gives me pleasure? It's to see my dividends coming in.’ To this day we can still relate to the words of American industrialist…
6th August 2020

Good things come… … to those who wait

Good things come to those who wait. This was the strapline once used by Guinness to refer to the 119.5 seconds it takes to pour a ‘perfect’ pint of their…
23rd July 2020

The Big Five

Investors love good stories. In recent years, many of these stories have centered around innovations that have fundamentally changed the way we live our lives. Some examples might include the…
3rd July 2020

Second Self-Employed Income Support Grants to be Paid in August

On 29 May the Chancellor announced that the grant scheme to support the self-employed would also be extended with a further payment based on 70% of average profits for the…
18th May 2020

Self-Employment Income Support Scheme (SEISS)

This week HMRC will start contacting self-employed people who are likely to be eligible, through a combination of emails, SMS texts and letters, to tell them what they need to…
18th May 2020

Apply For A Business Bounce Back Loan (BBBL)

The Bounce Back Loan scheme helps small and medium-sized businesses to borrow between £2,000 and £50,000. The government guarantees 100% of the loan and there will not be any fees…
25th April 2020

Viewing your portfolio through the right lens

One of the positive consequences of the current lockdown is that is does provide the opportunity to revisit a few of those old tasks, hobbies and pleasures that always seem…
3rd April 2020

COVID-19 Support for Businesses

The Government has announced a range of measures to assist businesses in dealing with the financial impact of COVID-19.  We have outlined below the various support packages available. We will be in…
29th March 2020

Rebalancing – Do I really Need To

Humans have a hard time being investors.  Normally, we like to purchase things when they are cheap and avoid them when they are expensive, but that is often not the…
15th March 2020

Today’s Market Falls in the Context of History

Context is an important tool when it comes to investing.  All investors around the world will be feeling the emotional pressures of the recent rapid equity market falls, either because…