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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

28:48

Podcast114: Should I Join My Employers Company...

Informed Decisions Independent Financial Planning &... ·

2018/11/19

It was in conversation with a friend recently, who has just started working for a new company, that I was asked if I believed it makes any sense to join a pension scheme offered by an employer. He was told that if he put 4% of gross salary into his pension that the employer would put 6% in, totaling 10% of his gross salary. This seems like a reasonable offer from the employer in this Defined Contribution scheme however he had concerns which he shared with me! Having done a little of his own research

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22:46

Podcast113: Managing Sequence Risk...(Trying To!)

Informed Decisions Independent Financial Planning &... ·

2018/11/12

BlackRock Investment Managers conduct an annual piece of research (in the US) of around 30,000 individuals and get their sentiment and preparation for retirement. Obviously it is heavily slanted to the financial. One of the surprising things, for me at least, was that the #1 concern for the majority of respondents was not health or social interactions or purpose, it was 'running out of money'. I guess running out of money in retirement does bring up all sorts of miserable and unfortunate images in

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22:29

Podcast112: Sequence Risk....The Silent...

Informed Decisions Independent Financial Planning &... ·

2018/11/03

We are not talking about death here today, but we will be looking at a thing called Sequence Risk which in my book is one of the most unknown and under-rated influences on your income in retirement. I would go so far as to say that it can have much more of an influence on your retirement lifestyle than the amount that you actually have at the beginning of your graduation out of full-time employment. Plain and simple this is one of the biggest factors affecting people's incomes in retirement

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41:56

Podcast111: The Derek Bell Interview - How To Retire...

Informed Decisions Independent Financial Planning &... ·

2018/10/29

Welcome to Ireland’s only dedicated and straight-talking Personal Finance & Financial Planning Podcast. Delighted you have decided to have a look at this weeks’ episode. Firstly, want to say a heart-felt thank you to all listeners of the Podcast and readers of the Blog for their encouragement and feedback over the past 2 years, we picked up the title of ‘Ireland’s Best Finance Blog’ at the Irish Blog Awards last week in Dublin, totally surprised to win it for the 2nd year in a row, particularly

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19:03

Podcast110: How To Procrastinate Later.........

Informed Decisions Independent Financial Planning &... ·

2018/10/22

'I'm not a procrastinator, I just prefer doing everything in a dead-line induced panic!'......Honest words shared with me by an acquaintance recently. And to be fair it totally struck a chord with me, as a former repeat procrastinator it sounded so accurate a description of the logic a procrastinator uses to rationalise their behaviour (or lack thereof). It is only when the pressure is on, the procrastinator will them him or herself, that I am at my best....so there really is no point in that

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20:10

Podcast109: The Real Impact Of Budget 2019 (Budgety...

Informed Decisions Independent Financial Planning &... ·

2018/10/15

In 2016 The Natural Environment Research Council in the UK invited the public to name their latest scientific research vessel, which was costing £200m. This vessel was going to be doing (and currently is doing) really insightful and exploratory work, making new discoveries and so on. Really important, noble and global research for the good of the natural world. In the initial stages the likely suggested winner was names such as 'Endeavour' and 'Poseidon' etc. Which made sense. However you can

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21:00

Podcast 108: When Investing 'Risk Questionnaires' Are...

Informed Decisions Independent Financial Planning &... ·

2018/10/08

If you have ever invested money in a fund or collective fund with a 3rd party, either through a pension or through an investment structure (product or platform) you will most likely have already completed a 'Risk Questionnaire' or 'Risk Survey'. It may have formed part of the bigger conversation about your investment goals, or it may have been the sole basis on which you made your investment decision. If it was the latter than there may be cause for some concern. Welcome to Ireland's only dedicated

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21:06

Podcast107: The State Pension....Are You Swimming In...

Informed Decisions Independent Financial Planning &... ·

2018/10/01

Are you swimming in the nip dear reader? This week we share some ideas with you about a what the State Pension looks like currently, how much we might get, how we go about qualifying for it, and how the level of income we have from 'guaranteed sources' when we do retire determines how we can access other retirement funds we have set for ourselves.......so a nice simple one!! Welcome to Ireland's only dedicated and straight-talking Financial Planning and Personal Finance Blog & Podcast. We are on a

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20:49

Podcast106: Is Investing in EII Scheme A Viable...

Informed Decisions Independent Financial Planning &... ·

2018/09/24

This week we are finally getting round to a topic that has been on 'the list' for quite a while. One of the main benefits of pensions that 'the industry' of financial services harks on about a lot is the tax relief that is available on contributions, and that is certainly true. Having said that what is not true is that pensions are the only tax effective vehicle in which to invest in this fine country of ours, there is also (among a handful of others) the Employment and Investment Incentive Scheme

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18:04

Podcast105: A Huge Tax Saving On Investments - A Tale...

Informed Decisions Independent Financial Planning &... ·

2018/09/16

Charles Dickens' novel about Dr. Manette, his 18 year incarceration in Paris and subsequent relocation to London to spend time with his daughter Lucie, and all the messing that apparently ensued is meant to be quite a read. I haven't managed it myself but am reliably informed that I should. Some day I will, as soon as I have read every investment and retirement planning book in existence! A Tale of 2 Cities was set against the back-drop of the run-up to the French Revolution and one could

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47:03

Podcast104: An American Perspective....With Eric Brotman

Informed Decisions Independent Financial Planning &... ·

2018/09/10

Welcome to Ireland's only dedicated and straight-talking Personal Finance & Financial Planning Blog. We are on a mission to make a positive difference and to help people take control of their finances in a meaningful way. If you have a suggestion, question or feedback for us please do drop me a mail here, love to hear from readers. This week we are joined in conversation with Eric Brotman from US-advisory form Brotman Financial. Eric shares with us many ideas and helps answer many questions

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23:03

Podcast103: Real Returns: Invest in Low Cost Funds Or...

Informed Decisions Independent Financial Planning &... ·

2018/09/03

This week we are hoping to answer several questions we have had from listeners in the past 6 weeks or so. It has been put to me that it would be valuable to share our thoughts and to explore whether it would be more beneficial to invest in a low-cost investment plan, achieve a decent level of return and pay whatever tax is due on withdrawal, or to invest into a pension, achieve the same level of return, pay what tax is due on withdrawal.......on the face of it, to me at least, it seems there will be

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24:38

Podcast102: The 4% Rule In Ireland....

Informed Decisions Independent Financial Planning &... ·

2018/08/27

This week we are taking a closer look at the fabled '4% Rule' relating to drawing-down on investment or retirement pots. This particular 'rule' gets plenty of airtime in the US, UK and many other countries but from my own experience very few investors, pension holders here in Ireland seem to have heard of (and indeed even many advisors!). Let's try fix that! We are not going to challenge this 4% Rule today, merely we'll determine what it is, how it is relevant and how to go about figuring out what

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18:03

Podcast101: Using Trusts In Your Financial Planning

Informed Decisions Independent Financial Planning &... ·

2018/08/16

We have recently been asked to share ideas on how an individual (or couple) can ensure their investments/estate/assets are properly distributed and managed once they die. It is an area that is of real value and interest to both the people who may be 'receiving' and indeed obviously to the people that are 'giving' it! While Trusts are an area that we have touched-on in previous episodes we would not claim to be legal experts on the matter. For that reason we have invited Pauric Druhan, a qualified

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01:11:26

Podcast100: The Guy Spier Interview

Informed Decisions Independent Financial Planning &... ·

2018/08/13

Welcome to Ireland's only dedicated Financial Planning & Investing Podcast & Blog. We are on a mission to do things differently and to actually help people make decisions that help them achieve the results (& life!) that they want to achieve. This week we have a rather special guest, Mr. Guy Spier. Guy is the fonder of, and has been been the sole decision-makers of the Aquamarine Investment Fund for 2 decades. This is nothing outlandish however the fund has an impressive return rate for investors

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17:21

Podcast99: When Simplicity Rewards Investors

Informed Decisions Independent Financial Planning &... ·

2018/08/06

In a meeting last week I was asked why my philosophy toward successful long term investing was so simplistic and boring. I was delighted! For context the people I was working with had understood me to have been in the financial planning profession for 13 years (correct) and that I was a 'finance expert' (marginally correct!). Based on these two bits of information they had concluded that I would have a very complex, very elaborate, and dare I say it, very confusing approach when it comes to

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27:25

Podcast98: Can A Couple Retire In Ireland With...

Informed Decisions Independent Financial Planning &... ·

2018/07/30

As a young boy growing up many years ago a million euros (or pounds as it was!) always sounded like an inexorably large amount of money. If you had €1m you were officially a millionaire and were in our eyes elevated to a stratospheric status.......The same can't be said anymore though! While it no doubt is still a significant amount of money by anyone's standards the sheen of being a millionaire has dampened thanks to inflation mostly! Nevertheless we are are today going to explore how and if €1m

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10:19

Podcast97: The Mexican Fisherman........

Informed Decisions Independent Financial Planning &... ·

2018/07/23

Welcome to Ireland's only dedicated Financial Planning & Personal Finance Blog & Podcast. Last year we won the award of 'Ireland's Best Finance Blog'......we have re-entered that same competition again this year, and will hear how we get on over the coming couple of months.....this might just be akin to the 'difficult second album'!! As we approach our 100th Podcast we have really tried to focus on the areas that our readers and listeners get in touch with us about and who come to us for help on an

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21:33

Podcast96: Planning for company directors in...

Informed Decisions Independent Financial Planning &... ·

2018/07/16

Welcome back to Ireland's award winning Finance Blog & Podcast. Delighted you have joined us! Our mission is to help people avoid mistakes and help themselves to live successful financial lives. Our big aim is to ultimately change how financial advice is done here in Ireland, to put the focus back on what you want to achieve, not the products that only really serve as the tools to enable you to do it! This week we are exploring a much-covered topic. It has not been much-covered by us but if you

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16:50

Podcast95: The 3 Characteristics Which Suggest You...

Informed Decisions Independent Financial Planning &... ·

2018/07/08

There was a large scale research study done by Gallup Consulting Group (a hugely credible global research company) this year which shows that the majority of people under 35 years of age do not own any form of shares/equities through investments, pensions or savings. This is in comparison to 2007 when the majority of people under 35 did own some for of equities. The research also demonstrated that the majority of people over 35 years of age held them in 2007 and that today the majority of people

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354 results

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