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PODCAST

Informed Decisions Independent Financial Planning & Money Podcast

Paddy Delaney (Parent, Educator, Qualified Planner & Executive Coach)

Take 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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All Episodes

16:59

Standard Fund Threshold in Ireland - Podcast 189

Informed Decisions Independent Financial Planning &... ·

2020/08/03

What is the Standard Fund Threshold in Ireland? This week, in what is a short 4 day work week, we share a short 4 minute read that will give you most of what you might need to know about the Standard Fund Threshold, for now! You'll learn the history, the current threshold, the REAL threshold, and a little-known nugget that can help you squeeze the max value and tax efficiency out of your pension pot. I hope it helps. Paddy Delaney QFA RPA APA

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17:58

Certainty or Returns - Pick One. Podcast 188

Informed Decisions Independent Financial Planning &... ·

2020/07/27

This week we share an investing concept that applies to investments and pensions equally. If I successfully and coherently share here what is in my head, it will hopefully help remove stress for investors as they begin, continue or end their investment journey. Paddy Delaney QFA RPA APA

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17:48

The Big 4 & The Slow Dance - Podcast 187

Informed Decisions Independent Financial Planning &... ·

2020/07/19

If you are lucky, every now and again you will get introduced to someone that opens your eyes, that adds real value to you. I've been fortunate, partly due to my general curiosity and partly because I've been blessed to just encounter some really interesting people, to have met several such influences recently. This week, in a very short piece I'm aiming to share the love a little! Paddy.

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14:11

Will 2020 Be The Best Year Ever For Irish Investors?!...

Informed Decisions Independent Financial Planning &... ·

2020/07/13

Will 2020 Be The Best Year Ever For Irish Investors? We take a look at some of the headline facts of recent performance, to shed some light. We also share a few concise truths that Irish investors (as distinct from speculators) might benefit from being reminded of. Hope it helps. Paddy Delaney QFA RPA APA

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52:32

Retirement Remix with CEO & Author, Chip Munn -...

Informed Decisions Independent Financial Planning &... ·

2020/07/06

When Chip offered to appear on the Informed Decisions podcast we jumped at the chance to speak with him. Chip Munn is a senior financial advisor and CEO of Signature Wealth Strategies in South Carolina in the US. He is the author of The Retirement Remix: A Modern Solution to an Old School Problem, and host of The Retirement Remix and Maximum Advisor podcasts. Chip shares his ideas on: - building successful businesses - retiring with purpose, and on your terms - the role of financial planning in

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51:19

Patricia Rickard Clarke - Safeguarding Ireland -...

Informed Decisions Independent Financial Planning &... ·

2020/06/29

Patricia Rickard Clarke has unique experience in preparation for, and planning for future life. Patricia shares her insights on: - Preparing for our financial future - Preparing for care and health wishes - Preventing and avoiding abuse issues of ourselves or loved-ones. Patricia has, and continues to work across many organisations and groups who are focused on the promotion and development of rights and wellbeing of people who are or may at some point be vulnerable. Resources:

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26:13

How Does An ARF Work & Guardrails -Podcast 183

Informed Decisions Independent Financial Planning &... ·

2020/06/22

Hi, If you are wondering 'how does an ARF work', may I suggest we consider instead the question; 'how should an ARF work'!? Given that your draw-down strategy in retirement will be one of the biggest financial decisions you will make in your mature life, this really is a topic worth doing some homework on. Unfortunately, ARFs are generally managed in a pretty laissez-faire manner by most providers. They take your money, stick it into a mid-volatility fund and hand you a cheque every month for 4% of

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21:33

5 Occasions To Ignore Your Financial Advisor -...

Informed Decisions Independent Financial Planning &... ·

2020/06/15

This week I share with you 5 instances where you should seriously question the advice you get from your financial advisor, and some questions to ask to help explore the suggestions! Now, if you've got a good one whom you trust, your Financial Advisor can be the difference between you having a successful financial life, and not. But if your advisor gives you a bum steer that you act on, the impact of that could be significant on your long term financial success. Paddy Delaney Informed Decisions

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24:03

How Will You Spend Your Money - Podcast 181

Informed Decisions Independent Financial Planning &... ·

2020/06/08

Dr. Thomas Gilovic has conducted several studies, some spanning decades, which measured the level of satisfaction and joy that people get from experiences versus material purchases. Here is a link to one particular study he was involved in, the insight of which is really quite fascinating. There appears to be three core reasons that experiential purchases give us more long term satisfaction. Hopefully you get some value from this week's episode. Enjoy! Paddy Delaney.

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15:28

What Happens My Pension When I, You Know?! Podcast 180

Informed Decisions Independent Financial Planning &... ·

2020/05/25

What happens my pension when I, you know!? I'm never one to shirk the hard questions, but it seems crass to talk of 'you know' while all of 'this' is going on! If you are any of the following, you really ought to know about this: A director of your own company with pension benefits An employee and an active member of the 'Company Pension Scheme' A former employee of a company, with benefits still in your old employer's 'Company Pension scheme' "Life is like playing the violin in public and

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40:50

The Dr. Moira Somers Interview - Psychology & Money -...

Informed Decisions Independent Financial Planning &... ·

2020/05/18

In this weeks' Podcast you will hear from someone with some unique insights on the topics we discuss week in and week out. Dr. Moira Somers from Canada is someone I have admired and benefited from learning from in recent years. In our conversation, Moira shares some ideas around: - Why money decisions can be very difficult for many of us - What we can do to make it a little easier - When to seek financial guidance, and how to find one that will help you most - Moira's top tips to reach your

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19:42

The Best Investments of 2020 - The Lock-Down Edition!...

Informed Decisions Independent Financial Planning &... ·

2020/05/11

Wondering what the best investments 2020 are?! Or if your investments or pensions are down the pan!? It is indeed one of those 'once every 5 year' situations for investments at the moment (more on that later), but we hope to share some insight that will help you see the wood from the trees. If you are a regular or occasional visitor or listener of this site you likely have a fair idea of our response to the question of which are the best investments 2020. Short answer remains; investments which are

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50:09

Pension Property, with Tommy Nielsen - Podcast 177

Informed Decisions Independent Financial Planning &... ·

2020/05/05

This week, as promised in our recent Pros & Cons of Pension Property, we share with you further details of owning a Property within a Pension. We were delighted to have Tommy Neilsen, qualified Solicitor and 'Head of Legal' with Independent Trustee Company (ITC) Dublin. Tommy has been with ITC since 2005, and deals with all legal aspects relating to the Pension Trustee services they provide. In this episode you will hear: - Legal considerations around Pension Property - How the structure actually

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14:56

Time For The Financial Advice Profession To Pull Up...

Informed Decisions Independent Financial Planning &... ·

2020/04/27

How would you feel if you discovered you were paying double the level of fees on your pension or investment that you were led to believe? ‘Clarity On Fees’ is the #1 thing consumers say would improve the level of trust they have in Financial Advice. 76% of people do not know how or what their Financial Advisor is paid. Most pension holders have no idea they are likely paying over 2% fees every year. These are just a sample of the startling results from consumer research we recently conducted. As

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53:02

The Paul Kenny Conversation - Podcast 175

Informed Decisions Independent Financial Planning &... ·

2020/04/20

Paddy chats with Ireland's former Pensions Ombudsman, Paul Kenny. Paul remains an active member of the pension profession in Ireland. Among other roles he is remains a Programme Leader in the Retirement Planning Council. In this episode he shares his insights about the following relevant topics: - Keeping track of your pensions when you move employments - Ensuring your ARF gets treated as per your wishes - Impact of ARF values on your eligibility to allowances We hope it is of value, and please do

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18:06

Buy Property With A Pension - Podcast 174

Informed Decisions Independent Financial Planning &... ·

2020/04/06

Should I buy property with a pension? Ever wonder what the pros and cons are if you did decide to establish a pension property? Is having a pension property a good idea? Hopefully this will help. In the short piece we will share: Financial benefits of buying a property with your pension The pit-falls of having a property in your pension Some other insights that you should know Paddy.

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24:32

The Dawn or Dusk of The Independent Financial Advisor...

Informed Decisions Independent Financial Planning &... ·

2020/03/30

1st April 2020 will bring with it the dawn, or the dusk of 'Independent Financial Advice' in Ireland. I really have no clue which way it will go! At least initially, finding an actual living, breathing and practicing 'Independent Financial Advisor' in Ireland may be like the proverbial hen's tooth. (Wouldn't that be a novel name for a Financial Advice firm - 'Hen's Tooth Independent Financial Advisors'!). I hope it helps in some small way. Paddy Delaney Informed Decisions

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21:44

Are Equities For The Scrap Heap!? Podcast 172

Informed Decisions Independent Financial Planning &... ·

2020/03/23

'Are Equities For The Scrap Heap'? I feel compelled to nail our colours to the mast at the outset. I am always open, and deliberately expose myself to contrary thinking, the fact remains that Equity investing has delivered the greatest outcomes for patient and long term investors. That fact will have come into question in people's minds in recent weeks, so I'm going to share with you in this short piece exactly where Equities are right now - and encourage you to decide for yourself. Paddy

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20:22

What To Do With My Investments and Pensions In A...

Informed Decisions Independent Financial Planning &... ·

2020/03/16

What to do with my investments and Pensions in a declining Market? Absolutely Nothing. That is all. Listen-on for a 'slight' elaboration! I hope you are keeping well - that must remain a priority. Paddy Delaney

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35:31

Davy GPS Funds - An Independent Review - Podcast 170

Informed Decisions Independent Financial Planning &... ·

2020/03/09

This week, following a recent conversation (there I go with 'conversations' again!), we share a detailed analysis of the Davy GPS Funds. You may be thinking of investing, or are already invested, via pensions or investments. Either way, we share insights on what are they, what's in them, how they compare to their competitors, and how they have served investors that have entrusted their funds in them. I hope it helps. Paddy Delaney Warning....The value of your investments will rise and fall. You

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