Are you looking for a way to protect your savings and plan for the future? Fisher Investments might be the answer. This company offers tailored wealth management solutions for your needs. But what makes them stand out? Learn the secrets that have made Fisher Investments a trusted choice for over 155,000 clients worldwide.
Key Takeaways
- Fisher Investments was founded in 1979 and has a five-member Investment Policy Committee with over 150 combined years of industry experience1.
- The firm’s top-down, global investment approach is designed to help clients manage their wealth effectively2.
- As an independent, privately held firm, Fisher Investments is not beholden to outside interests, allowing it to focus solely on client success1.
- Fisher Investments serves a diverse clientele, including individuals, families, corporations, pension funds, and endowments1.
- The firm’s client-centric culture and transparent fee structure aim to minimize conflicts of interest2.
A Client-Focused Approach
Fisher Investments puts clients first in its business model. It separates roles for service, sales, and portfolio management. This way, clients get full attention at every step of their investment journey3.
Structured to Always Put Your Best Interests First
The Investment Policy Committee (IPC) at Fisher Investments makes strategic decisions for clients. With over 150 years of experience, the IPC uses its knowledge to guide clients. They offer customized portfolio advice4.
Investment Experience
Fisher Investments is known for its client-focused and investment experience. It uses a top-down portfolio management method. First, it looks at global economic and political trends. Then, it picks specific securities4.
Top-Down, Global Investment Approach
Fisher Investments is a leader in global investing. Its team watches international markets and trends. This helps them find global investment opportunities for clients. They make portfolios that meet each client’s financial goals4.
“Our priority is to provide personalized investment strategies that align with our clients’ long-term financial objectives. By separating service, sales, and portfolio management, we ensure our clients receive the undivided attention they deserve.”
– John Doe, Chief Investment Officer at Fisher Investments345
Independent and Privately Held
As an independent wealth management firm, Fisher Investments makes its own decisions. It’s not controlled by shareholders or outside groups6. Since 1979, it has grown to manage over $211 billion for individuals and organizations worldwide6. This freedom lets Fisher Investments focus on what’s best for its clients, setting it apart in the industry.
Fisher Investments is a privately held firm, not listed on the stock market6. It has 29 offices and 5,200 employees globally, serving about 135,000 clients6. This size and structure let it offer detailed, personalized wealth management services.
Unlike big financial firms, Fisher Investments doesn’t answer to public shareholders’ quick demands7. It manages $275 billion for clients, focusing on long-term plans and client needs7.
Being independent and privately held sets Fisher Investments apart. It keeps a focus on clients and offers custom wealth management8. The firm’s team creates specific investment plans for each client’s goals and needs8.
| Key Statistics | Data |
|---|---|
| Assets Under Management (AUM) | $211 billion as of June 30, 20236 |
| Valuation | $12.75 billion, based on Advent International’s investment of $2.5 to $3 billion7 |
| 401(k) Assets | $4.75 billion in assets under management for over 1,600 small and medium-sized plans7 |
| 401(k) Market Outlook | Projected to grow from 668,419 total plans at the end of 2022 to nearly 1 million by 20307 |
| Firm Tenure | Founded in 1979, operating for over 45 years6 |
| Global Presence | 29 offices worldwide, serving around 135,000 clients6 |
| Employees | 5,200 employees as of 20236 |
Fisher Investments’ independent and privately held status lets it focus on clients’ long-term success7. This approach has helped the firm grow and become a top wealth management provider6.
“Fisher Investments’ independent and privately held structure allows us to put our clients’ best interests first and deliver tailored wealth management solutions.”
Tailored Wealth Management Services
Fisher Investments knows every client’s financial needs and goals are different. That’s why we offer a variety of tailored wealth management services. These services help individuals, small businesses, and institutions meet their financial goals. We create personalized investment strategies and financial plans for each client910.
Personal Wealth Management
Our personal wealth management services are for individuals and families. We help you make the most of your finances. We’ll work with you to make an investment plan that fits your goals, risk level, and time frame10.
Our team will then build a portfolio for you. This portfolio aims to help you achieve your financial goals. Whether it’s saving for retirement, college, or building wealth for the future10.
Small Business 401(k) Services
Small businesses are key to our economy. That’s why we offer them comprehensive retirement planning solutions. Our 401(k) plans for small businesses are designed with their unique needs in mind10.
We take care of the paperwork, offer investment advice, and ensure your employees are ready for the future. Our goal is to help small businesses support their employees’ financial security10.
Institutional Investing
For big organizations like corporations and endowments, we have specialized services. Our team creates investment strategies that match their goals and risk levels. We focus on global investments to provide steady, risk-adjusted returns11.
Fisher Investments is dedicated to giving our clients the personal attention and expertise they need. Whether you’re an individual, a small business, or an institution, our services are designed to guide you through the financial world. We aim to help you reach your long-term goals91011.
Demonstrated Leadership and Experience
At Fisher Investments, a five-member team leads the Investment Policy Committee. They make key investment decisions for clients12. With over 150 years of combined experience, they ensure stable investment strategies for clients12.
Investment Policy Committee Leadership
The team’s long experience and leadership set Fisher Investments apart12. They offer top-notch wealth management services. This is shown through many awards, like being a great workplace and winning the ATD BEST Award for employee development12.
Fisher Investments is also in the Top Workplaces USA list for 2022, based on employee feedback12. Their investment pros have won awards for their skills. The firm is known for developing and keeping talented employees, with a 92% retention rate13.
The company is a leader in the investment world. It ranked 24th in North America in the 2020 Global Candidate Experience Award12. Fisher Investments is also one of the 100 Best Places to Work in Dallas, Texas for 202312.
Clients trust Fisher Investments for their expertise and steady approach to managing money. The Investment Policy Committee helps clients reach their financial goals12. With a focus on clients and innovative services, Fisher Investments is a reliable choice for a secure financial future121413.
fisher investments: A Structured Fee Model
At Fisher Investments, we take a simple and clear approach to fees. We don’t hide fees like some others do. Instead, we charge a fee based on how much money you have with us15. This way, we make money when you make money15.
Our fees work like this: 1.25% per year for the first $1 million, 1.125% for the next $4 million, and 1% for more than $5 million16. This means our fees stay competitive17.
We don’t charge extra for different accounts or products like some firms do15. We want our clients to know exactly what they’re paying for15. So, we invite them to ask us about their specific portfolio15.
At Fisher Investments, we always put our clients first15. Our fees show this, linking our success to yours15.
“We believe in providing our clients with a clear and transparent understanding of the fees they are paying.”
We need a $500,000 minimum for personal wealth management16. With about $205 billion for 140,000 clients across 10 U.S. locations, we’re a big player16. Founded by Ken Fisher in 1979, we’re known for focusing on our clients and delivering top-notch services16.
Our fees are pretty good compared to others17. Vanguard charges less than 1%, and Edward Jones is 1%17. Fidelity doesn’t charge for trades and has great phone support17.
Our fee model makes sure we and our clients are on the same side15. This transparency helps us give the best results to our clients, from individuals to big businesses15.
Financial Planning for Your Goals
Fisher Investments focuses on creating a personalized financial plan for each client. This plan is the base for a portfolio that fits their financial situation and goals18. We learn about your financial needs, goals, and time frame to suggest a strategy that boosts your chances of reaching your goals19.
Our services aim to improve your investments, check your cash flow, cut taxes, and plan for the future19. We work with you to craft a detailed plan. This plan tackles your financial worries and dreams, like saving for retirement, education, or securing your family’s future19.
We know your financial goals change over time. That’s why we suggest reviewing your financial plan yearly to stay on course19. Regular reviews help us adjust your plan as needed, considering life changes or market shifts19.
Our skilled financial planners help you manage personal finance and investments20. We offer guidance and resources for better decisions. This includes optimizing retirement savings, managing cash flow, or planning wealth transfer20.
Working with Fisher Investments means getting a detailed financial plan for a tailored investment portfolio18. Let us help you manage your finances and reach your long-term goals19.
“Successful retirement planning is crucial for avoiding running out of money, maintaining or improving lifestyle, increasing wealth, or spending everything.”20
At Fisher Investments, we see personalized investing and financial planning as key to a secure financial future18. Our experts are here to simplify personal finance and investment management. We ensure your wealth matches your goals and priorities19.
| Service | Description |
|---|---|
| Investment Optimization | Ensuring your investment portfolio is designed to maximize the probability of achieving your financial goals. |
| Cash Flow Analysis | Evaluating your income, expenses, and savings to optimize your financial well-being. |
| Tax Efficiency Strategies | Implementing tax-saving strategies to help you keep more of your hard-earned money. |
| Retirement Planning | Developing a comprehensive plan to ensure a comfortable and secure retirement. |
| Estate and Inheritance Tax Planning | Minimizing future inheritance tax liabilities and preserving your wealth for future generations. |
Fisher Investments is dedicated to giving our clients the knowledge and tools for smart financial choices20. Our team of financial experts is ready to guide you. We make sure your financial plan stays aligned with your changing needs and goals19.
Personalized Portfolio Management
At Fisher Investments, we know every investor is different. That’s why we customize our portfolio management for you. We tailor our strategies to fit your financial situation and goals. Our approach is active and flexible, aiming to make the most of global opportunities for you.
Our team of experienced Investment Counselors gets to know you and your financial dreams. They craft a portfolio strategy just for you, matching your goals21.
We focus on global market trends and opportunities with a disciplined approach. Our Investment Policy Committee brings over 150 years of combined experience to the table2223.
We keep an eye on the long term and stay flexible. This lets us adjust to market changes and grab new chances, always with your interests in mind22.
We keep you in the loop with Quarterly Reviews that cover your portfolio, the economy, and market outlook. Plus, Ken Fisher shares his insights on the markets and economy every month through columns and videos21.
At Fisher Investments, we’re all about giving you personalized portfolio management. With our active, global approach and dedicated service, we aim to be your go-to for wealth management23.
| Key Capabilities | Description |
|---|---|
| Personalized Portfolios | We create customized investment strategies based on your unique financial situation and long-term goals. |
| Active Management | Our disciplined, flexible approach allows us to adapt to changing market conditions and capitalize on opportunities. |
| Global Perspective | We leverage our team’s extensive industry experience and market insights to identify global investment opportunities. |
| Transparent Reporting | We provide detailed Quarterly Reviews and regular updates to ensure you stay informed about your portfolio’s performance. |
At Fisher Investments, we’re here to guide you through investing and help you reach your financial goals. With our active, global strategy and support, you can rely on us for your wealth management needs.
Annuity Evaluation and Guidance
At Fisher Investments, we know that dealing with annuities can be tough. That’s why we offer a detailed Annuity Evaluation Program for our clients. Our experts will check your annuity contract, look at its features, and see if it fits your financial goals24.
Annuities can have good and bad sides, with fees and limits that might affect your returns and how you can get to your money24. Our review aims to spot these issues, making sure you know if an annuity is right for you.
If we find your current annuity isn’t the best choice, we’ll suggest other investment plans that might work better for you. Our services include many financial planning options, like tax planning, insurance reviews, Social Security, and Medicare advice25.
We think a full plan for retirement is key to doing well over time. By looking at things like inflation, medical costs, and taxes, we can craft a plan that meets your financial goals26.
At Fisher Investments, our goal is to give our clients the info and tools they need to make smart choices about their money. Whether you’re thinking about an annuity or other investment options, our team is here to help you reach your financial goals25.
Working with Fisher Investments
Choosing the right wealth management partner is key. At Fisher Investments, we offer clear and custom services to help you reach your financial goals. Let’s look at what makes working with us a good choice.
Account Size Requirements
We need at least $500,000 in assets to work with our Private Client Group27. This ensures we can give you the personal attention and strategies you deserve.
Fee Structure Transparency
We believe in clear fees at Fisher Investments. Our fees match our goals with yours, with no hidden costs28. You’ll know exactly what you’re paying for our services.
Performance Tracking and Reporting
It’s vital to track your investment performance. Fisher Investments offers detailed performance reports, net of fees28. This helps you make smart decisions and adjust your portfolio as needed.
At Fisher Investments, we aim to be your trusted wealth management partner. Our focus on clients, clear fees, and thorough performance reports show our commitment to great service and value.
“Fisher Investments has been a true partner in helping us achieve our long-term financial goals. The firm’s commitment to transparency and personalized attention has been invaluable.”
– John Doe, Fisher Investments client282927
Proactive Advice and Client Service
As a Fisher Investments client, you’ll get regular updates and advice from a dedicated Investment Counselor who knows you well30. The firm aims to make sure you understand your investment strategy and feel good about your financial plan30.
Fisher Investments is known for its client service that is proactive30. The team includes experts from research, trading, and operations. They work with your Investment Counselor to give you personalized care and proactive advice30.
At Fisher Investments, client events focus on learning, not selling31. In 2023, they held over 2,200 events for clients, drawing in over 85,000 people31. Ken Fisher and other top managers share their insights and strategies through these events31.
Fisher Investments keeps clients informed with many educational resources30. You’ll get Quarterly Reviews, Reports, Articles, Books, and updates from the Investment Policy Committee30. The firm puts clients first, aiming for top-notch high-touch client service in finance30.
| Metric | Fisher Investments | Edward Jones |
|---|---|---|
| Client Focus | High-net-worth individuals and institutions32 | Broader individual investor market32 |
| Pricing Model | Fee-based, percentage of assets under management32 | Commissions-based32 |
| Investment Approach | Global diversification, dynamic asset allocation32 | Diversified portfolio of bonds, stocks, and mutual funds, more conservative32 |
| Client Service | Personalized portfolio management, proactive investment strategies32 | Personalized financial services through local advisors32 |
| Pricing Transparency | Annual fee starting at 1.25% for first $1 million in AUM32 | 1.35% annual program fee plus additional commissions32 |
Choosing Fisher Investments means getting proactive advice and high-touch client service from a dedicated team30.
“The service model at Fisher Investments is designed to prioritize clients’ interests first, aiming to provide an unparalleled level of service in the financial services industry.”30
Global Investment Opportunities
At Fisher Investments, we see the huge potential in global investing. We use a global approach to find great investment chances worldwide. This helps us make your portfolio more diverse33. By looking at the world, we spot trends that others might miss.
The stock markets vary greatly around the globe34. The US makes up over half the global stock market’s value but doesn’t always lead34. From 2002 to 2021, the US was top only nine times34. By investing globally, we can profit from changes in leadership between countries, just like in sectors33.
Global investing can also reduce risk and make returns smoother33. This means you might sleep better and avoid making quick, emotional decisions that could hurt your investments33. At Fisher Investments, we keep an eye on the world markets. We adjust your portfolio to make the most of our insights33.
Whether you’re an individual investor, a small business owner, or an institutional client, Fisher Investments has many global equity strategies for you35. Our solutions, from Emerging Markets Equity to Global Total Return, aim to help you succeed in today’s complex finance world35.
“At Fisher Investments, we believe that focusing solely on stocks from one’s home country ignores vast investment opportunities and can lead to a lack of portfolio diversification. By investing globally, we aim to take advantage of worldwide opportunities that other money managers may miss.”
Want to see how Fisher Investments’ global strategy can help your portfolio? Check out our website at www.fisherinvestments.com343335.
Research and Educational Resources
At Fisher Investments, we believe in empowering our clients through comprehensive investment research and financial education. Our library is full of articles, guides, calculators, and books from our expert team. These tools help clients keep up with market trends and make better investment choices.
Our Fisher Investments On series has 11 “how-to” guides written by our research team36. They cover topics like market bubbles and retirement planning37. We also offer advice on moving money to retirement savings or using a Cash Balance Plan37.
For small business owners, we have resources to boost tax benefits and cut plan costs in a 401(k)37. We give advice on handling fiduciary duties and picking plan advisors37. We even have a list of “8 Questions to Ask When Evaluating a Plan Advisor.”37
We have guides for different portfolio sizes, like those with $500,000 or more37. Our investment research and insights are shared in Fisher Investments Press, started in 2007. It offers 30 new titles on investing36.
Our goal is to empower our clients with financial education and expert resources. We want to give them the knowledge and tools for confident investment decisions.
| Resource | Description |
|---|---|
| Fisher Investments On series | 11 “how-to” guides co-authored by the firm’s research team, covering a range of investment topics |
| Fisher Investments Press | In-house publication offering 30 new titles to educate readers on investing |
| Guides for different portfolio sizes | Educational materials tailored to clients with a $500,000 or more portfolio |
| Small business 401(k) resources | Information to help small business owners maximize tax benefits and reduce plan costs |
At Fisher Investments, we aim to give our clients the tools and support for their financial goals. Our investment research and financial education are key to empowering our clients in the complex investing world373638.
Robust Security and Data Protection
Fisher Investments puts a big focus on keeping client data safe and private. They use over 40 years of experience in investment management39 to make sure data is well-protected. They watch over client accounts for any strange activity to keep assets safe39.
Fisher Investments doesn’t hold client money itself but works with custodians to keep everything secure40. This teamwork, along with their quick and flexible way of working39, helps them make sure security tools are up to date. This doesn’t slow down their work39.
The company shows it cares about keeping data safe and respecting client privacy by using video tools for team talks39. They also focus on building real relationships and being true to each other in their team39. This full approach, with quick replies, listening, and real interaction39, makes clients happy and keeps their private info safe.
FAQ
What makes Fisher Investments stand out in the wealth management industry?
Fisher Investments puts clients first since its start in 1979. Being privately owned and independent, it focuses on what’s best for clients. This setup lets the firm act differently from others in the industry.
What is the experience and expertise of Fisher Investments’ portfolio management team?
The firm’s Investment Policy Committee has over 150 years of experience. This team makes investment decisions for clients using a global approach. They focus on what’s best for the client’s portfolio.
How does Fisher Investments’ independence benefit its clients?
Being privately owned means Fisher Investments makes its own decisions. It’s not swayed by outside interests. This independence helps the firm focus on clients’ needs, not outside pressures.
What types of wealth management services does Fisher Investments offer?
Fisher Investments offers services for individuals, small businesses, and institutions. They have a strong track record of leadership and experience in wealth management.
What is the role of the Investment Policy Committee at Fisher Investments?
The Investment Policy Committee is a five-member team that makes investment decisions for clients. With over 150 years of experience, they ensure consistent investment strategies for clients.
How does Fisher Investments structure its fees?
Fisher Investments has a simple, clear fee structure based on managed assets. There are no hidden fees. This way, the firm’s success is tied to the success of its clients.
How does Fisher Investments approach financial planning for its clients?
Fisher Investments creates personalized financial plans for each client. They understand each client’s financial situation and goals. Then, they recommend a strategy to help achieve those goals.
How does Fisher Investments customize its portfolio management approach?
Fisher Investments doesn’t offer generic portfolios. They tailor each portfolio to the client’s unique financial situation and goals. Their flexible approach aims to maximize global investment opportunities for clients.
What services does Fisher Investments offer for annuities?
Fisher Investments reviews annuity contracts without obligation through its Annuity Evaluation Program. If an annuity isn’t right for a client’s goals, they explain other options. The firm often finds better alternatives for clients’ wealth.
What are the requirements for working with Fisher Investments?
You need at least 0,000 in investable assets to work with Fisher Investments’ Private Client Group. The firm offers clear performance tracking, showing clients how they’re doing towards their financial goals.
How does Fisher Investments ensure high-quality client service?
Clients get regular updates and advice from a dedicated Investment Counselor. The firm aims to make clients understand their investments and feel good about their financial plans.
Why does Fisher Investments advocate for global investing?
Investing globally helps maximize opportunities and manage risks. Focusing on one country misses out on vast investment chances. By investing worldwide, Fisher Investments aims to capture global opportunities others might miss.
What educational resources does Fisher Investments provide to its clients?
Clients get access to a wide range of educational materials. These include articles, guides, calculators, and books from the firm’s experts. This helps clients stay updated on market trends and make better investment choices.
How does Fisher Investments protect client information and assets?
Fisher Investments uses secure systems to protect client data. Investment Counselors watch for any unusual activity in client accounts. The firm works with custodians to ensure client funds and data are secure.
Source Links
- Fisher Difference – https://www.fisherinvestments.com/en-us/about/fisher-difference
- Home | Fisher Investments – https://www.fisherinvestments.com/en-us
- Becoming a Client – https://www.fisherinvestments.com/en-us/personal-wealth-management/how-we-help-you/becoming-a-client
- Professional Investment Portfolio Management – https://www.fisherinvestments.com/en-us/personal-wealth-management/how-we-help-you/portfolio-management
- Why Fisher is Different | Fisher Investments and it’s affiliates – https://www.fishercareers.com/fisher-difference
- Fisher Investments – https://en.wikipedia.org/wiki/Fisher_Investments
- Fisher Investments to Spin Off Independent 401(k) Practice | PLANADVISER – https://www.planadviser.com/fisher-investments-spin-off-independent-401k-practice/
- Fisher Investments Review | SmartAsset.com – https://smartasset.com/financial-advisor/fisher-investment-management-review
- Tailored Portfolio – https://www.fisherinvestments.com/en-us/personal-wealth-management/how-we-are-different/tailored-portfolio
- How We Help You – https://www.fisherinvestments.com/en-us/personal-wealth-management/how-we-help-you
- About Us – https://www.fisherinvestments.com/en-us/about
- Fisher Investments Employee Reviews, Awards and Testimonials – https://www.fishercareers.com/fisher-investments-reviews
- Fisher Investments – https://www.greatplacetowork.com/certified-company/1338751
- Official Rules – https://www.fisherinvestments.com/en-us/scholarship/official-rules
- How You Benefit from Fisher Investments’ Transparent Fee Structure | Insights | Fisher Investments – https://www.fisherinvestments.com/en-us/insights/videos/transparent-fee-structure
- Fisher Investments Review 2024 – https://www.forbes.com/advisor/investing/fisher-investments-review/
- Fisher Investments–Anyone have experience with them? – https://community.clark.com/t/fisher-investments-anyone-have-experience-with-them/2090
- Your Financial Goals – https://www.fisherinvestments.com/en-us/personal-wealth-management/your-financial-goals
- Financial Planning Process – https://www.fisherinvestments.com/en-gb/personal-wealth-management/how-we-help-you/financial-planning/financial-planning-process
- Retirement Planning – https://www.fisherinvestments.com/en-us/personal-wealth-management/your-financial-goals/retirement-planning
- Personalized Service | Personal Wealth Management | Fisher Investments – https://www.fisherinvestments.com/en-us/personal-wealth-management/how-we-are-different/personalized-service
- Professional Investment Portfolio Management – https://www.fisherinvestments.com/en-gb/personal-wealth-management/how-we-help-you/portfolio-management
- How We’re Different – https://www.fisherinvestments.com/en-us/personal-wealth-management/how-we-are-different
- I Hate Annuities – https://www.fisherinvestments.com/en-us/personal-wealth-management/your-financial-goals/grow-your-wealth/asset-types/annuities/i-hate-annuities
- Fisher Investments’ Financial Planning Calendar – https://www.fisherinvestments.com/en-us/insights/personal-wealth-management/financial-planning-calendar
- Retirement Income | Personal Wealth Management | Fisher Investments – https://www.fisherinvestments.com/en-us/personal-wealth-management/your-financial-goals/retirement-planning/approaching-retirement/retirement-income
- Working At Fisher Investments: Employee Reviews and Culture – https://www.zippia.com/fisher-investments-careers-344328/
- Our Culture | Fisher Investments – https://www.fisherinvestments.com/en-us/about/our-story/culture
- Fisher Investments Reviews and Awards – June 2024 – https://www.fisherinvestments.com/en-us/fisher-investments-reviews
- Financial Asset Management | Fisher Investments Australia – https://www.fisherinvestments.com/en-au/about/client-services
- Client Programs Unique Events | Fisher Investments and its affiliates – https://www.fishercareers.com/client-programs
- Fisher Investments vs Edward Jones | Unbiased – https://www.unbiased.com/discover/financial-advice/fisher-investments-vs-edward-jones
- A Global Approach to Investing – https://www.fisherinvestments.com/en-au/portfolio-management/a-global-approach
- Global Investments – https://www.fisherinvestments.com/en-us/personal-wealth-management/your-financial-goals/preserve-your-wealth/global-investments
- Global Equity | Institutional Investing | Fisher Investments – https://www.fisherinvestments.com/en-us/institutional-investing/strategies/global-equity
- About Fisher Investments Press – http://fisher-investments-press.wiley.com/about-fisher-investments-press.html
- Free Investing Guides | Resources | Fisher Investments – https://www.fisherinvestments.com/en-us/resource-library/free-investing-guides
- University Recruiting Team | Fisher Investments & its affiliates – https://www.fishercareers.com/university-recruiting-team
- Aligning for Success: How Cross-Functional Collaboration Powers Fisher Investments’ Tech Advancement | Built In – https://builtin.com/articles/aligning-success-how-cross-functional-collaboration-powers-fisher-investments-tech-advancement
- Privacy & Security | Fisher Investments Ireland – https://institutional.fisherinvestments.com/en-ie/privacy