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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

business investing

All Episodes

Podcast132: The Impact Of Recency Bias In Investing

Informed Decisions Independent Financial Planning &... ·

2019/04/08

This week I share a short (but hopefully valuable) piece to raise awareness of something that impacts us all and how we make decisions, and often without us even being aware of it! What Are Biases? If you were shown a photo of 2 different people, based on their appearance, dress, facial expression, ethnicity, and any number of other visuals, we would have our own 'impression' of that person. In essence, though we might not like to admit it, we have made a judgement about that person based on what we

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Podcast132: The Impact Of Recency Bias In Investing

Informed Decisions Independent Financial Planning &... ·

2019/04/08

This week I share a short (but hopefully valuable) piece to raise awareness of something that impacts us all and how we make decisions, and often without us even being aware of it! What Are Biases? If you were shown a photo of 2 different people, based on their appearance, dress, facial expression, ethnicity, and any number of other visuals, we would have our own 'impression' of that person. In essence, though we might not like to admit it, we have made a judgement about that person based on what we

en

26:14

Podcast131: Diversify Vs Asset Allocation...The Numbers

Informed Decisions Independent Financial Planning &... ·

2019/04/01

This week we are going to explore two concepts, 'Diversification' and 'Asset Allocation' which can have significant impact on investment success over the long term, and which are shrouded in mystery and often misunderstood. We are going to tell it like it is, share some insights which may surprise you, and give you some food for thought if this applies to you. What Is Asset Allocation? This is the term most commonly used to refer to the proportional distribution of an investment portfolio between

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17:21

Podcast130: Best Way To Invest €500,000....Kinda!

Informed Decisions Independent Financial Planning &... ·

2019/03/25

If I come across another 'Best Investments For 2019' or 'Best place to invest €100,000' article I will lose the plot. Reason being that, just like the title of this blog, these articles really are just another form of click-bait. As we all will know, even if we didn't, click-bait is merely a hook with which to drag you into a website, and ultimately to sell you whatever they have in their warehouse, maybe the 'worlds most powerful torch', or the amazing 'world's quickest can-opener'......things

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21:36

Podcast129: Why We Are Rubbish At Investing

Informed Decisions Independent Financial Planning &... ·

2019/03/18

Investors are said to achieve far less in returns than the markets in which they invest. How is that possible you may ask? Typically it is down to investor behaviour. Investors get blamed for doing silly things when it comes to investing, however my take is that it is the financial professionals who must shoulder the responsibility for it. This is not to suggest that the advisors/planners that might assist investors have total control over what an investor does, but I do believe that if an investor

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17:38

Podcast128: Retirement Relief in Ireland (The...

Informed Decisions Independent Financial Planning &... ·

2019/03/11

Welcome back! 'Relief' is an interesting word. If we were to tell someone that we are going to 'relieve myself' it can strike up all sorts of suggestions! Apparently it comes from the Latin 'relevare' which meant 'to alleviate'. In this instance Retirement Relief is all about 'relevare', and to 'relevare' oneself from a burdensome Capital Gains Tax bill! Retirement Relief is a nugget that is quite often missed as a really lucrative opportunity to reduce one's tax bill, particularly if one is a

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23:15

Episode127: What If My Pension Fund Doesn't Perform?

Informed Decisions Independent Financial Planning &... ·

2019/03/04

Hope all is well?! Last week we shared some ideas on the best way to accumulate €1m, and whether a deposit regular savings account or a pension route might be the most effective way of doing it. We analysed these two routes and factored in deposit rates, pension fund returns, fees and charges and various tax rates that apply to both and how they will impact on the end result. As always, it pays to begin with the end in mind! This week I hope to share ideas on how to select a suitable investment

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32:12

Podcast126: How to Save €1m In A Pension Or Savings...

Informed Decisions Independent Financial Planning &... ·

2019/02/25

Should I invest in a pension or save money in a bank account!? Last week I shared some ideas about the value (or potential lack thereof) in having a pension of 'average' size. The reaction to that piece was really quite interesting; it seemed to have surprised some people! There is no question that €100,000 is a lot of money, no matter what way you slice it however having that in a pension fund at the point of retirement leaves one with, to be fair, quite limited options to access a meaningful

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21:20

Podcast125: Why Most Pensions Are A Waste Of Time,...

Informed Decisions Independent Financial Planning &... ·

2019/02/18

The title of this piece may seem overly alarmist, however it is my firm belief that most pensions that people here in Ireland have are really ineffective and the investors would quite possibly be better off doing something else with their funds. Are pensions useful? Absolutely they can be hugely useful (read here for 1 example!) however if they are entered into in a half-baked way they can be pretty useless, and unfortunately I have seen it far too many times. We all see lots of articles and blogs

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27:53

Podcast124: What Should I Do WIth An Inheritance

Informed Decisions Independent Financial Planning &... ·

2019/02/11

'What should I do with an inheritance' and 'How should I invest an inheritance' are questions we might never hope to need to consider but many are forced to consider these every year here in Ireland. This week in Ireland's award-winning and unbiased personal finance blog I hope share some insights which might be of value to anyone that does every find themselves faced with this question. The reason I guess that this is a relevant topic here is because I have seen several cases where people inherit

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21:04

Podcast123: Fancy Annual Declines Of 13.9%??

Informed Decisions Independent Financial Planning &... ·

2019/02/03

Welcome back to the new home of Personal Finance in Ireland, where we share insights which we hope help you to avoid mistakes and achieve the results you seek. All we ask in return for sharing these ideas is to tell a friend, and use the ideas with the intention in which they are shared, thanks! -13.9% The title of this week's blog is a little vague or possibly might appear abstract, granted, but I do believe that it's contents will help people to see the light! To help explain, I was speaking to an

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25:33

Podcast122: Defined Benefit Scheme - Should I Take A...

Informed Decisions Independent Financial Planning &... ·

2019/01/27

Welcome to Informed Decisions, Ireland's #1 Personal Finance Blog & Podcast! Hope you managed to catch last weeks' Podcast with Andy Agathangelou, all about developing more transparency in Financial Services, it was a decent chat! This week I am on a mission to shred some myths about that big question: Should I take my benefits out of my Defined Benefit pension scheme, or leave my benefits in my Defined Benefit pension scheme. Granted it is not a question that everyone of us will need to answer

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47:31

Podcast121: The Transparency Task Force with Andy...

Informed Decisions Independent Financial Planning &... ·

2019/01/21

Hi and welcome to Ireland's dedicated Financial Planning and Personal Finance Podcast. We are on a mission to share ideas and unbiased insights that might help you make beneficial decisions. Speaking of mission we are joined this week by non-other than Andy Agathangelou who founded the Transparency Task Force and which is on a mission to have a positive and lasting difference on financial services and on those that it exists to serve. I was so taken by Andy and the band of volunteers that have

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17:15

Podcast120: Should I Invest Now Or Wait For A Crash?

Informed Decisions Independent Financial Planning &... ·

2019/01/14

Hey there and welcome back to Ireland's #1 personal finance blog. This week we are exploring what is quite a common challenge for people, the decisions about investing a lump sum now or waiting for markets to fall or crash. Funnily this is not usually a challenge for would-be investors when markets are calm and rising. It more often becomes a challenge when market volatility hits, or when media is claiming that the market it 'over-priced' or at an 'all-time high'. The Impact Of Time In considering

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33:56

Podcast119: Where To Get Financial Advice In Ireland?

Informed Decisions Independent Financial Planning &... ·

2019/01/06

Hey there, it's great to be back after a few weeks of rest over the Christmas, it was probably good for all of us to have a break from listening to me! Anyway, very excited about developing what we are doing here, growing the community, and helping more people get the information they need to make good financial decisions for themselves. On reflection over the Christmas I am more keen than ever to keep trying to make a positive difference and to keep telling it like it is! Ever wondered how to get

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43:40

Podcast118: A UK Perspective.....with Rory Percival

Informed Decisions Independent Financial Planning &... ·

2018/12/16

Welcome back to Ireland's award-winning & independent Financial Planning blog and podcast. We are on a mission to share ideas and educate people to avoid mistakes and make decisions that will benefit them in the future. Drop me an email here with any of your ideas or feedback on making the site/podcast better, would love to hear from you. For a while now I have been really keen to get a 'non-advisor' to tell us what has changed in recent years in the UK in the financial advice arena, and how that

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15:03

Podcast117: A Wolf In Sheep-Clothing.....You've Been...

Informed Decisions Independent Financial Planning &... ·

2018/12/10

Welcome back to Ireland's independent & award winning Financial Planning Blog & Podcast. We don't claim to be perfect but we have been creating and sharing ideas here on the podcast for the past 2 years and are on a mission to help people of Ireland (& beyond!) to make decisions which benefit them in the long-run. All we ask is that if you like what we are doing that you'd tell a friend or loved-one about us and see if it can be of any use to them! Speaking of long-run we are hugely grateful for

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Podcast117: A Wolf In Sheep-Clothing.....You've Been...

Informed Decisions Independent Financial Planning &... ·

2018/12/10

Welcome back to Ireland's independent & award winning Financial Planning Blog & Podcast. We don't claim to be perfect but we have been creating and sharing ideas here on the podcast for the past 2 years and are on a mission to help people of Ireland (& beyond!) to make decisions which benefit them in the long-run. All we ask is that if you like what we are doing that you'd tell a friend or loved-one about us and see if it can be of any use to them! Speaking of long-run we are hugely grateful for

en

19:47

Podcast116: What Is Entrepreneur Relief & Is It Any...

Informed Decisions Independent Financial Planning &... ·

2018/12/03

Welcome back to Ireland's award winning & independent financial planning blog & podcast, where we are on a mission to share ideas and information that hopefully helps you make decisions that delivers long term results for you. Thanks for the lovely reaction to last weeks' episode, I certainly enjoyed sharing the story! This weeks' topic is kinda closely related to the oul' lizard-brain and relates to entrepreneurship! We are not tax experts but it has been asked of us a few times recently so this

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14:06

Podcast115: Congregation 2018 - Beware The Lizard Brain

Informed Decisions Independent Financial Planning &... ·

2018/11/26

Welcome back to Ireland's award-winning Finance Blog where we are on a mission to share ideas that will have a lasting and positive impact for you. This week were are sharing something a little different, and hope that it hits the mark, that it perhaps gets you thinking and perhaps even encourages you to do something you want to do! It is bigger than personal finance or financial planning, this is about you and your life! In November each year, for the past 6 years anyway, there has been an

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354 results

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