Informed Decisions Independent Financial Planning & Money Podcast
309 episodes - English - Latest episode: 28 days ago - ★★★★★ - 3 ratingsTake control of your financial future by joining us on Ireland's Independent & award-winning Investment & Retirement Planning Podcast, with Paddy Delaney (QFA RPA APA).
Join Paddy & guests as they cut through the noise, nonsense and smoke-n-mirrors of financial services in Ireland. We want you to avoid costly mistakes and to make informed financial decisions in your investments and retirement planning.
Paddy Delaney QFA RPA APA
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Episodes
Important Pension Changes in Ireland #251
January 30, 2023 19:14 - 15 minutes - 19.3 MBThis week I bring you some facts, no metaphors, no story, just facts about recent and important pension changes in Ireland! Important changes to PRSAs Upcoming changes to UK State Pension benefits (applicable to all those in Ireland with some time accrued in HMRC UK State Pension) Recent changes to Lump Sums from foreign pensions (including Malta etc.)
5 Emotional Stages Of Retirement #250
January 23, 2023 22:14 - 17 minutes - 21.2 MBI estimate that there are approximately 100 people retiring today, and tomorrow etc. etc. Of these c100 people retiring each day of the week, some are really well prepared and will have a smooth journey. However, others will be less prepared and so face a little more challenge and hurdles. My hope is that this piece will help a few to blow any hurdles out of their way with ease!
3 Investment Lessons To Take From 2022 #249
January 16, 2023 20:53 - 17 minutes - 22.7 MB2022 was a testing investment year for many. Rather than jump headlong into 2023, let's take a few minutes to reflect and observe what we can learn from 2022! To me, there are 3 main investment lessons to be taken from last year: Inflation continues to be the real risk Diversification matters Embrace uncertainty
Escaping Full Time Employment With William Lacey. Part 5 #248
December 12, 2022 18:22 - 49 minutes - 59.1 MBWelcome back to the latest Informed Decisions podcast: Transitioning from full time employment. This week we have William Lacey back to talk about his journey toward retirement. We continue to talk about his progress, his thoughts, and his reflections on what he has learned since he began this journey with us in February 2022. Zen Habits – Leo Babauta Die with Zero - Bill Perkins Dr. Mark Hyman Fritz Gilbert - The Bucket Strategy In A Bear Market - The Retirement Manifesto
Best Investments Ireland? #247
December 05, 2022 20:27 - 14 minutes - 18.7 MBInvesting in Ireland can be like staring into a fog at the best of times, until now of course! You have stumbled upon the oracle which will clear that fog for you! In today's podcast I will talk about: The 'best investments' Ireland offers How you can get your hands on them! Why all of this may be utter nonsense! I hope it helps
Leaving Employment - What Happens To My Pension #246
November 28, 2022 20:44 - 24 minutes - 31.5 MBYou have decided to make a career change or take a redundancy offer but can’t help but ask, ‘what happens to my pension benefits?'. When leaving your job, apart from the small matter of securing your financial future, what to do with your pension benefits is one of the most important things you need to consider. This can be especially so if you and your employer have been diligently contributing to your pension scheme for many years! Key Points: Beware 'Advisors' that tell you to move it...
Retirement Spending Changes To Expect #245
November 14, 2022 18:25 - 17 minutes - 23.8 MBOne of the biggest questions for people who are transitioning from full-time employment is ‘how does spending change in retirement?’. It is a difficult question to answer, but there is a lot of research out there, which points to some key takeaways. Retirees can expect to spend less on food and clothing You can expect to spend less on transportation in retirement Expect healthcare costs to increase Many retirees plan to spend more on gifting More favourable tax rules apply to retir...
Investing In The Character Of CEOs With Dan Cooper #244
November 07, 2022 18:40 - 46 minutes - 54.4 MBIn this week’s episode, I chat with Dan Cooper, CEO of ROC Investments, about investing in the character of CEOs of large cap companies. What return on character as an ETF means How this ETF came about and how it is implemented How ROC Investments are trying to deliver returns in excess of the benchmark for investors in their ETF How they are trying to drive positive change within corporations The long-term goals of this EFT I hope you find the conversation interesting and ...
'Safe' Investment funds in Ireland Are Drowning In The Past Year #243
October 24, 2022 17:34 - 20 minutes - 26.2 MB'Safe' Investment funds in Ireland are drowning in the past year, much to the surprise of many investors. In this short piece, you will learn: How 'Safe' and Conservative Investment Funds are performing Why 'Safe' Funds are suffering badly What you can do to improve things for yourself Thanks
Living a Life Without Regrets with Jordan Grumet #242
October 17, 2022 20:46 - 51 minutes - 53.2 MBIn this week’s podcast, Paddy talks to Jordan Grumet, a.k.a. Doc G. Jordan is a Hospice doctor who found a passion for personal finance, public speaking, and finding purpose in life. Jordan's experience working with patients in end of life care brings a really unique, insightful and interesting perspective to living a life with no regrets. Key topics we cover: - What is important to you - What he has learned from hospice patients about life regrets - Financial independence - Find...
8 Common Financial Mistakes To Avoid When You Retire #241
October 10, 2022 19:22 - 24 minutes - 27.1 MBThis week's podcast tackles 8 of the most common financial mistakes retirees make. Be prepared for retirement lifestyle changes Have a plan in place for elder care Understand how Income Tax works in retirement Don’t forget about inflation (kinda hard not at the moment!) Stay active and socialise Don’t delay retirement planning Test your retirement lifestyle before retiring Make a plan for any debt, or gifting I hope it helps.
A Reminder For Retirees Or Soon To Be Retirees #240
October 03, 2022 18:15 - 13 minutes - 14.3 MBIf you are a soon-to-be-retiree, or an already-retiree, you may well be grasped with fear in times like these. In three short parts, I will outline where we are in the greater scheme of things. Where exactly are we now? What we know When will markets recover? I hope it helps Paddy
Living Your Best Life, With CEO of Lumiant, Santi Burridge Podcast #239
September 26, 2022 17:38 - 56 minutes - 70.6 MBThis week, I’m bringing you an interview with Santi Burridge, who is the CEO of what’s going to be a very impactful company, I believe in the world of financial planning and financial advice. I met and interviewed Santi at the Future Proof Festival two weeks ago in Los Angeles. Santi is a great guest, full of energy and who is driving forward. He is here to share what they're doing with Lumiant by bringing value based financial advice to the world and ultimately helping people to live ...
Are we seeing the death of ESG Investments in Ireland? #238
September 19, 2022 17:15 - 27 minutes - 37.7 MBAre we seeing the death of ESG Investments in Ireland, before they even got off the ground? In this piece, I'm going to share a little bit about what's happening in other parts of the world with regard to ESG investing and explore what options we do have here in Ireland. It's an interesting topic and it's one I'm not fully decided on yet; as will become clear.
The 6 Most Important Retirement Decision Factors #237
September 05, 2022 18:57 - 24 minutes - 33.6 MBWhat is most important when deciding to retire? The road to retirement and the decision to exit full-time employment is an undulating road. It is one that brings up many questions, concerns, and indeed many doubts for lots of people. This is particularly so when you are fortunate to have a choice on when you actually retire. In that situation, the internal debate could actually give you a throbbing headache! While only you can make the decision to take an early leap from the purpos...
Investing Your Retirement Lump Sum: Top 3 Considerations #236
August 29, 2022 19:23 - 24 minutes - 29.3 MBHello! I hope life is good. This week I’m going to be talking about retirement lump sums and what to do with them. This equally does apply to most lump sum investment decisions that we do or will have to make in the future. I will talk about the top 3 considerations you should think about when making the decision to invest a retirement lump sum. Taking or investing a retirement lump sum isn’t a one-off decision. There are many aspects that one should consider both at the point o...
3 Tax & Investing Tips for American RSUs in Ireland #235
August 22, 2022 18:19 - 20 minutes - 27.4 MBHaving clarity around the management of your RSUs in Ireland is critical to successfully avoiding major tax and succession issues in the future. In this short piece, I will share 3 critical aspects to US RSUs, and outline steps you can take to achieve successful outcomes for you and your loved ones. According to the American Chamber of Commerce Ireland, there are 190,000 people in Ireland, employed by US Companies. Many of these individuals are employees of financially successful...
The Final Years of Employment: Preparing For Retirement With Roger Whitney #234
August 08, 2022 19:28 - 1 hour - 89.3 MBHow are you doing, hope life is good. We have a very enthused, knowledgeable, and contagious personality on the podcast this week. Roger Whitney. He is The Retirement Answer Man in the US. Podcaster, blogger, financial advisor, community organsier head; he’s a ball of energy. And he has some great ideas to share with us in this episode. With Roger, you’re going to hear about all sorts of preparations for retirement. You’re going to hear about a thing called that ‘Tart Cake’, which i...
Escaping Full Time Employment With William Lacey. Part 4 #233
July 26, 2022 16:13 - 56 minutes - 73.6 MBEscaping Full Time Employment With William Lacey Part 4 Thank you for joining us for what is our fourth conversation with William Lacey who is in the midst of transitioning out of full time employment out to a life of freedom and choice. In this particular episode it was really interesting to hear William’s progress, transitions and works on the various aspects both financial and nonfinancial. We continue to talk about his progress, his thoughts and reflections, on what he has...
Things To Do About Bonds & Equities Falling #232
July 18, 2022 19:16 - 13 minutes - 17.8 MB"My Bonds & my equities are falling in my pension - I must do something"....said almost everyone who has an invested pension or investment. It is the natural reaction, and it seems the obvious one, but should you do something, and if so what? In this weeks' super-short piece I share 3 things you might consider doing about it your Bonds & Equity values falling. I hope it helps.
Is It Possible To Beat the Market? What Is Investment Edge? #231
July 11, 2022 18:30 - 54 minutes - 69.8 MBLars Kroijer is our guest on today’s podcast. Lars is a former hedge fund manager, author, and entrepreneur from Denmark. He talks with Paddy about can we beat the market, investment edge, hedge funds, and many interesting related topics. Can We Beat the Market? If We Can’t What Should We Do? Hello and welcome to this week’s episode. Really interesting topic if you’re into investments. If you’re into ensuring that you get the optimal long term return for yourself into the futur...
Should You Take 25% Lump Sum From Pension Or Not? #230
July 04, 2022 18:00 - 30 minutes - 39.6 MBWelcome, dear listeners. This is the second of our from the archives podcast and this is from a Tribe episode that was launched in August 2021. We got a really interesting question through the Ask Me Anything function which was a part of Tribe, which is no longer. But the question is a great one. Here we delve into it in quite a bit of detail and got great feedback from the Tribe members. So, hopefully, this episode is of real value to you. Enjoy Consolidate Old Pensions, Or Not?
How To Prepare Your Pension For The Next Big Crash [Is It Coming?] #229
June 27, 2022 19:20 - 26 minutes - 36.1 MBThis episode was originally recorded and published in September 2021 for the Tribe when things, and by things I mean our pension funds and our investments were saving. They were on the upward curve having recovered from a recent downturn. It’s amazing how short our memories are when it comes to these things. I’m resharing it now for two reasons: It’s a really timely reminder of when things aren’t going so well in terms of our pension and our investment values Because I’m tak...
How To Prepare Your Pension For The Next Big Crash [Is It Coming?]
June 27, 2022 19:20 - 26 minutes - 36.1 MBThis episode was originally recorded and published in September 2021 for the Tribe when things, and by things I mean our pension funds and our investments were saving. They were on the upward curve having recovered from a recent downturn. It’s amazing how short our memories are when it comes to these things. I’m resharing it now for two reasons: It’s a really timely reminder of when things aren’t going so well in terms of our pension and our investment values Because I’m tak...
Paying Nursing Home Care in Ireland: What You Need To Know #228
June 20, 2022 16:21 - 36 minutes - 38.1 MBHello dear listener. As promised we have Niall Tinney, founder, and creator of Elder Care Finance joining us for an interview. Niall is going to share his own learning, his own experience, and really deep insights about what you need to know when it comes to planning for elder care. Whether that’s home care or indeed nursing home care. He’s going to share information about the application forms The considerations you need to make when it comes to your planning. We’ll take a...
4 Smart Ways to Gift to Adult Children! #227
June 13, 2022 18:34 - 21 minutes - 23.1 MBMany people are dubious about giving a large gift to adult children. If you find yourself having relatively significant amounts of assets, and adult children, this is for you. In this piece, I share with you 4 smart ways that might allow you to be both tax efficient and supportive (in the right way) to your adult children.
ETFs, Crypto, & Financial Planning With John Swolfs #226
May 30, 2022 19:33 - 57 minutes - 59.4 MBGreetings hope life is good. In this week’s episode, we are back with another interview. This week we chat with John Swolfs. John is kinda unlike a lot of the interviews we’ve done in the past when it comes to people from the world of financial services. John is an organiser of a lot of events. He is organising the Future Proof Festival in September of this year, which happening in California. He is originally from America and has worked with Blackrock and Barclay’s Global. He was the ...
Have We Enough To Retire? Top 5 Considerations #225
May 23, 2022 17:12 - 23 minutes - 28.7 MBOne of the biggest concerns for most people as they approach retirement is ‘Have we enough to retire?’ One of the biggest concerns for most people as they approach retirement is ‘Have we enough to retire?’. There are a lot of variables (which we will outline shortly), but one of the most significant over the course of a three-decade retirement is the amount that we will spend. This week we share: The variables to consider when exploring the question, ‘Have we enough to retire?’ The late...
Escaping Full-Time Employment William Lacey Part 3 #224
May 16, 2022 20:03 - 53 minutes - 68.1 MBHope you are well, hope all is good. We are back with part 3 of our listener’s journey with William Lacey. William has been sharing his journey with us as he transitions from full-time employment and his concerns, his hopes, and considerations for the future. In today's episode, William shares his progress on the following three areas: His financial arrangements Decisions on how to successfully exit his business Considerations on where to reside, and what interests to pursue Th...
Steps To Take In The Years Before Retirement with Fritz Gilbert #223
May 09, 2022 18:04 - 1 hour - 86 MBAward-winning Blogger and successful recent retiree Fritz Gilbert shares with us the financial and non-financial aspects of planning and executing a successful retirement. Fritz discusses: Financial ‘Bucket’ strategy to manage their finances The 90/10 Rule of Retirement Finding purpose and structure once you pass the ‘start line’ The importance of having freedom and choice in retired years How to ensure you will ‘have enough’ money to retire Thanks, Paddy.
Pension Changes Impacting High Net Worth Individuals #222
April 25, 2022 15:54 - 55 minutes - 68.1 MBHello, I hope you are well, I hope you had a fantastic Easter time. We’re back at the coalface and loving it. Speaking of coalface, we have today a guest who is at the coalface of the legals of pension changes in Ireland. We have a partner of a law firm and he specialises in pensions and what is going on with pensions in Ireland. And it is very, very relevant, indeed to everybody, but particularly those that have established net worth in pension pots. We look at this from both ...
Pension Changes Impacting High Net Worth Individual #222
April 25, 2022 15:54 - 55 minutes - 68.1 MBHello, I hope you are well, I hope you had a fantastic Easter time. We’re back at the coalface and loving it. Speaking of coalface, we have today a guest who is at the coalface of the legals of pension changes in Ireland. We have a partner of a law firm and he specialises in pensions and what is going on with pensions in Ireland. And it is very, very relevant, indeed to everybody, but particularly those that have established net worth in pension pots. We look at this from both ...
Win Without Pitching With Shannyn Lee #221
April 19, 2022 17:22 - 40 minutes - 53 MBMerry Easter dear listener, I hope you’re well and I hope you had copious amounts of chocolate or not as the case may be. I’m taking a bit of time out over the Easter Mid Term break to hang out with the kids, have the craic, and of course, help them eat their Easter eggs. That is my duty. That is my calling at Easter time. Welcome to podcast 221, which we are pre-recording. And which you are getting to listen to a bit of bonus content. Something a little bit different than the norm. I...
Finding the ideal home for retirement decades #220
April 04, 2022 16:31 - 43 minutes - 54.1 MBOne of the big questions that people we work with ask is; ‘where will we live and enjoy our retirement decades?’. There is no set of accurate answers to that question – finding the right solution for you requires exploration, discussion and tangible planning. We are joined this week on the podcast by Mary Conway of Janus Estates, who does this for a living. As Ireland’s first Certified Senior Move Manager, Mary shares with us some of the biggest considerations people need to make when ...
Move Company Pension To PRSAs #219
March 28, 2022 19:32 - 18 minutes - 23.5 MBIf you are approaching, or indeed planning for retirement (exit from full-time employment) you may benefit from knowing about a strategy which can be both financially and emotionally beneficial; move from Company Pension to PRSAs. While certainly not a strategy that will be beneficial to everyone, in the right scenario, it can be very much so. This is very different to the more common strategy of moving your Company Pension to a Personal Retirement Bond (PRB/BOB) when you leave a company -...
Escaping Full-Time Employment William Lacey Part 2 #218
March 21, 2022 18:37 - 1 hour - 91.2 MBHope you are well, hope all is good. We are back with part 2 of our listener’s journey with William Lacey. In the first episode, 214, William and I chatted about where he’s at, why he’s doing this particular episode, and series with us as he transitions out of full-time employment. He shares his concerns, his hopes, considerations, how it applies to him, and how his thinking and planning evolved over time. And I’m sharing it because it's a very relevant topic and it's interesting to s...
Cop Yourself On & Get Financially Prepared For A Seismic Event Of A Non-Topical Variety, with Nick McGowan! #217
March 14, 2022 20:22 - 56 minutes - 74.6 MBPlan for the worst and hope for the best. Everyone is only talking about one of two things at the moment, either a disease or an invasion. However, there are other, much more closer to home events that we ought really be prepared for, but of which few have been giving much thought to, including yours' truly.
Pension Planning For Late-Starters #216
March 07, 2022 18:54 - 19 minutes - 23.3 MBIf you are heading towards retirement with zero pension planning done, this piece might help.
Pension Planning For Late-Starters
March 07, 2022 18:54 - 19 minutes - 23.3 MBIf you are heading towards retirement with zero pension planning done, this piece might help.
A 30% Market Decline? Keeping Perspective. #215
February 28, 2022 18:54 - 17 minutes - 20.5 MB"Daddy, the lady at dancing class had toes coming out of her eyes and coming out of her ears!". That's what 4 year-old Emily told me yesterday through rampant giggles, and I'm not one to disagree with her! One big observation of recent years as a parent - is the wonderfully wild imaginations that kids can have. Depending on what they may have been absorbing recently, whether it's Harry Potter stories or something lighter, such as 'Cocomelon' nursery rhymes, their minds can take a perfectly...
Escaping Full-Time Employment - A Listener’s Journey #214
February 14, 2022 17:57 - 58 minutes - 80.3 MBThis week we kick-off our podcast series where we share the journey of listener and client William Lacey, as he exits full-time employment. This is a topic close to many listeners’ hearts, and William has offered to help us share insights that will help others. William will join us every 6/8 weeks over the coming 12 months. Each episode will see William and Paddy discuss William’s thinking, actions, priorities, concerns and outcomes as he transitions from full-time running his business...
When To Take My Pension? #213
February 07, 2022 18:50 - 28 minutes - 35.3 MBAside from deciding to actually accumulate money for your post-work living, the decision about 'when to take my pension benefit' is the biggest financial life decision that many of us will need to make. It is akin to breaking open the cookie-jar that we have been diligently accumulating for decades. For many, it is an emotional and financial conundrum, that I hope to help with. A combination of academic research and supporting people in this phase of life has given me some insights that I sh...
Investing In Later Life #212
January 31, 2022 15:33 - 16 minutes - 24.7 MBIn this weeks' (really) short piece I'm going to share with you a couple of thoughts about investing in later life; for those that may be in the final decade or two. Key things covered this week: A new way to look at long term investing in later life The madness of only investing in 'low-risk' as you age I hope it helps you or a loved-one. Paddy.
Can You Trust Your Accountant? #211
January 24, 2022 16:46 - 26 minutes - 38 MBTrust, they say, exists at the intersection of 'Character' and 'Competence'. In this week's piece I'm sharing a short story about a fictional accountant (Steady-Eddie), a fictional Financial Advisor (Friendly-Fiona), and you! Through this short story we'll look at at trust, and whether it is deserved or not, and we'll look at the murky world of unregulated financial advice and unregulated investments in Ireland. Before I start, I want to reiterate that I know and trust quite a few account...
Set Thy Purse To Fattening #210
January 17, 2022 19:07 - 28 minutes - 39.2 MBFinancial Independence, when you hear it, often means different things to different people. For some, it's having more money/assets accumulated than they'll ever be able to spend - for others, it's having regular and reliable income that'll cover their every future need. For others, it's removing as many on-going expenses as they possibly can. Whichever way you look at it though; it almost always goes hand-in-hand with being confident about your financial independence. It is one thing seein...
2021 Investment Returns & Your Priorities for 2022 #209
January 10, 2022 21:10 - 29 minutes - 41.9 MBThis week I share evidence & facts about investment returns, and also invite you to ask yourself an important question! Our agenda for this first piece of 2022: The investments returns you should have got in 2021 The investments returns you will get in 2022! Another way to think about 'New Year Resolutions' Paddy.
The Justin King Interview - Transitioning To Retirement #208
December 13, 2021 16:35 - 47 minutes - 65.1 MBHi, I'm delighted to share with you a conversation I had recently with UK-based Chartered Financial (&Life) Planner, Justin King. He shares his experience on: - How to financially prepare to 'transition' to retirement - Life-Planning's role in considering our priority & future-selves - Justin's views on optimal Investment Management approaches for retirees Hope you find it interesting, Paddy Justin's Youtube Channel MFP Wealth Management Justin's Book 'Ready, Steady, R...
The Will Rainey Interview - Kids, Their Money & Their Investing #207
December 06, 2021 18:44 - 55 minutes - 75.9 MBHi, It is a sad state of affairs when we have to rely on individual authors and thinkers publishing books and articles, in order to help the youth of today to develop financial wisdom. Yet, here we are! Despite sounding very negative, I was delighted to speak with such a thinker and author, Will Rainey (former Pensions Actuary!). In our conversations he shared his ideas on: - Helping kids to save, spend, & importantly to invest - Investing for younger and older children - What he b...
Changes To Pensions & No Changes From Active Managers! #206
November 29, 2021 21:23 - 27 minutes - 37.5 MBThis week we share a few nuggets that I hope will offer clarity and assurance on a few key aspects of our investment and pensions planning; -Important changes to pensions in Ireland coming into force -An update on Active Manager performances -The link between balance and longevity! I hope it is useful for you - I sure enjoyed doing it! Paddy.
Platform Investing in Ireland with David Worrell #205
November 22, 2021 16:55 - 1 hour - 91.3 MBThis week we bring you the David Worrell Interview - where we discuss all aspects of Investment Platforms in Ireland. David is head of relationship management at Conexim Investment Platform in Ireland and shares his insights on the following: The rise of platforms in UK/USA - and subsequently in Ireland What platforms actually do - processes and people involved Pros & Cons for investors versus other routes Are Investment Platforms 'safe'? Navigating tax regimes for investors Tr...