Prize Bonds Ireland: What the New 1.5% Rate Actually Pays You
The Prize Bond prize fund rate rose from 1.00% to 1.50% this month, the first State Savings increase in about three years. Almost every writ...
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Informed Decisions Financial Planning & Money Podcast
If you are looking for a Financial Planning Podcast for normal people in Ireland you may have just found it! Take control of your financial future and develop successful habits with your mon...
Episodes
20 of 394 episodes
Inheritance Tax in Ireland: Gift Now or Leave It? - with Mairéad Hennessy from Taxkey.ie
Inheritance tax in Ireland is charged at 33% on anything above €400,000 passing from a parent to a child. The question most families never p...
Should You Retire at a Market All-Time High? Sequence Risk & the Irish ARF
Should you retire with the market at an all-time high? In Ireland, the record level feels dangerous, but it is not the risk that decides you...
Planning to 95: Life Expectancy, the Irish ARF and the Real Retirement Lever
Your Irish pension plan probably runs to age 95, but you'll likely live to around 83, and the gap changes your pot far less than you'd expec...
72% - One Country: Is Your Irish Pension Actually Diversified?
If you hold an Irish pension or an ARF invested in a global equity index fund, you have almost certainly been told you are diversified: Thou...
Should You Take Your Pension Lump Sum at 60? A Worked Irish Case Study
Turning 60 with a significant pension pot and nothing forcing your hand? This episode is a worked case study on the pension lump sum decisio...
Private Credit in Ireland: Can You Actually Get Your Money Out?
There is a pitch doing the rounds in Irish advice circles at the moment: private markets have finally been democratised, and private credit...
Bucket vs. Total Return - Retirement Withdrawal Strategies for Investors in Ireland
If you've built a pension pot of €1m or more, you've almost certainly thought about how you'll invest it in retirement. What a bunch of peop...
Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton
Most people spend decades building wealth and never quite get to the second question: not how do I protect this, but what do I actually want...
Simplicity Is The Ultimate Sophistication (Replay)
This one was recorded a while back (in 2024), but the argument hasn't dated a day, if anything, it holds up better now than when we first pu...
Sequence of Returns Risk: Same ARF. Same Return. Totally Different Outcome
Two people can retire with the same ARF, the same average return, and the same withdrawal rate and still end up in completely different plac...
Enduring Power of Attorney in Ireland With Áine Flynn: Who Can Act If You Can't?
An Enduring Power of Attorney (EPA) is the planning step most Irish adults never get to. Only around 8% have one, against roughly a third wh...
Should You Reduce Investment Risk Before Retirement?
As you get closer to retirement, move your money to safer investments. It sounds reasonable. But what if that one piece of conventional wisd...
Pension Drawdown Above €2M: The €243,000 Timing Decision (SFT Ireland)
If your pension is approaching or has passed €2 million, the question is no longer just how to grow it, it's how to generate income without...
Bonds Aren't Broken. What the 1970s Tell Irish Retirees About Bonds Today
A lot of investors have written off bonds after 2022. In this episode, Paddy Delaney explains why that conclusion is based on a misreading o...
Pension When You Change Jobs in Ireland: The 4 Most Important Decisions for Professionals
"There's a pension somewhere in your name that you haven't looked at in five years." That's a sentence Paddy finds himself saying in client...
PRSA vs Company Pension in Ireland: Which Is Right for You?
After the 22 April IORP II deadline, thousands of Irish directors are now in a pension structure they didn't deliberately choose. Most trans...
Risk and Reward in Retirement: What Ben Carlson's Research Means for Irish Investors - Interview
Most people approaching retirement believe their job is to reduce risk. Get out of equities. Move into something safe. Ben Carlson disagrees...
The Most Consistently Underclaimed Tax Break for Irish High Earners - Pension Tax Relief Explained
Most Irish high earners are claiming roughly half the pension tax relief available to them. Not because the rules are complicated, but becau...
Is your ARF built to last? - Safe Withdrawal Strategies
Most ARF holders know their fund value. Most know Revenue requires a minimum annual drawdown. Very few have stopped to ask whether meeting t...