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Informed Decisions Independent Financial Planning & Money Podcast

If you are looking for Independent voice on Investing, Retirement Planning & Financial Planning Podcast in Ireland, you may have just found it! Join me, Paddy Delaney as we talk straight and steer you towards a better financial future. Take control of your financial future and develop successful habits with your money. Join Paddy Delaney on Ireland's award-winning Personal Finance & Financial Planning Podcast & Blog. He aims to cuts through the sometimes confusing jargon of financial products and services, to help you make informed financial decisions, for you........No nonsense, straight up fact, and a little bit of a laugh at the same time! The Podcast is on a mission to enable it's listeners provide themselves with better financial futures, and ultimately to make a positive difference in the lives of listeners. Thanks so much for checking out the show! You can get in touch by email: admin@informeddecisions.ie Paddy Delaney Qualified Financial Advisor Qualified Retirement Planning Advisor Qualified General Insurance Practitioner Qualified Executive Coach
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Informed Decisions Independent Financial Planning & Money Podcast
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Now displaying: Page 5
Sep 7, 2020

What's Love Got To Do With It, Baby

They suggested that we hate losing something about twice as much as we enjoy gaining something! Think about it - in all walks of life it holds water. Take 'love' for example. I remember vividly when I was unceremoniously dumped by my first girlfriend! I was about 15 at the time - and 'devastated' was not the word for how I felt! Despite my father telling me; 'Cheer up son, the next one is always better' (!!!!) I was inconsolable for a week or two.

Did 'the next one' bring as much joy as the being dumped brought pain - we'll see!

Aug 31, 2020

Actively Managed Funds under-perform Passive Index Funds in the majority of cases. Managed funds usually exist in order to beat the market. They generally don't succeed. This is not an opinion or a prediction, it is a fact which you will see full evidence of in a moment.

I will start however by reminding you of another fact. Your behaviour as an investor will have potentially far more of an impact on your investment success than whether you are invested in actively managed funds or passive. By 'behaviour' I mean whether you stick to the strategy or not when your portfolio is either screeching upward or downward at a future date. With that irrefutable truth out of the way, lets look at the facts.

When it comes to investing and choosing the best available solution, whether managed funds or passive or whatever, we like facts. We try to ensure you, dear reader, have access to facts. We abhor opaqueness and smoke-n-mirrors when it comes to you investing your future wealth. Whether it is a kids savings account, a windfall, a retirement pot, your life savings or a retirement income vehicle. Facts are the only things any of us should focus on. 

Paddy Delaney QFA RPA APA

Aug 24, 2020

This week we share a short piece from the Oracle of Omaha, Warren Buffett.

We learn about 'Gotrocks Family', how they had it all, and how they managed to throw it away, or more accurately, to have had it taken away from them!

I consider if this 'informed turkey' is actually voting for Christmas?!

We also share our view on how Irish investors might avoid such disasters, and to keep more of the returns they deserve.

Hope it helps,

Paddy

Aug 3, 2020

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

Jul 27, 2020

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

Jul 19, 2020

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.

Jul 13, 2020

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

Jul 6, 2020

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 our lives

Hope you enjoy,

Paddy Delaney.

Chip's website: 

Book Recommendations (Irish websites to buy them if you wish - not affiliate links!!)

The 4-hour work week 

The E-Myth

Rocket Fuel

Paddy Delaney Informed Decisions

Jun 29, 2020

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:

https://www.safeguardingireland.org/about/

https://www.sageadvocacy.ie/

https://www.mhcirl.ie/DSS/

https://hospicefoundation.ie/

https://www.easons.com/being-mortal-atul-gawande-9781846685828

Jun 22, 2020

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 the average over the month, and let your hard-earned pot do whatever it will do. There are options.

Paddy.

Jun 15, 2020

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

Jun 8, 2020

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.

May 25, 2020

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 learning the instrument as one goes on", or so said the 19th Century English author Samuel Butler. I'm including that quote for no other reason than I really like it. A friend of ours recently had a baby, and she is bouncing hundreds of questions off Fiona (who is an 'old hand' at this stage!). It just goes to show that we are all learning. None of us know everything - a valuable lesson in humility in times like these!

I hope this helps, even a little!

Paddy Delaney Informed Decisions

May 18, 2020

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 financial priorities

We hope you find it of real interest, and of value to you.

Thanks,

Paddy Delaney

Dr. Moira Somers Website:

https://moneymindandmeaning.com/about-moira/

Advice That Sticks Book:

https://www.goodreads.com/book/show/38821455-advice-that-sticks

May 11, 2020

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 low in cost, high in diversified equities and high in a decent track record versus it's peers. But, has the sheen of that 'Holy Trinity' been tarnished based on how 'things' have gone so far this year!? Let's see.....

May 5, 2020

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 works

- How safe it is or isn't

- Further Pros & Cons

- Lessons Learned

As chairman of the Law Society’s Sub-Committee on Pensions and chairman of the Association of Pension Trustees in Ireland, Tommy brings a level of knowledge and understanding of Pension Property that hopefully helps you in learning about it.

Thanks for listening,

Paddy Delaney 

Apr 27, 2020

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 someone who is hell-bent on finding a win-win for both Consumers and the future of Financial Advice, these results are pretty terrifying, for everyone involved! There is an urgent need for the Financial Advice profession to pull it’s socks up, and to start playing fair with you the consumer. Either it does, or it’ll be sat on the Sub’s Bench for eternity.

Apr 20, 2020

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 spread the word with anyone you believe needs to hear what he has to say!

Paddy Delaney Informed Decisions

 

 

Apr 6, 2020

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.

Mar 30, 2020

 

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

Mar 23, 2020

'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 Delaney

Mar 16, 2020

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

Mar 9, 2020

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 could get back less than you invest in any investment. But you knew all that! All info correct at time of analysis early March 2020.

Mar 2, 2020

Welcome back to Ireland's award-winning Financial Planning Blog & Podcast. This week we were excited to chat with return-guest, Derek Bell of the Retirement Planning Council (RPC).

In this episode Derek and Paddy explore and share insights on:

- State Pension changes

- Income Tax in retirement

- RPC courses & supports

- Common retirement planning mistakes

- Retirement spending Do's & Don'ts 

- Retaining control of your Time in retirement

And more!

We hope it helps.

Paddy Delaney

 

Feb 24, 2020

This piece is inspired by some recent conversations. These conversations have got me thinking about Financial Independence. It also reminded me how much I love conversations with other people - how the words that other say can have such meaning and depth to them, it's quite a thing! Thanks too to the recent iTunes Review-leavers - such positive words of recommendation and encouragement, thanks!

Perhaps you have already reached Financial Independence but you just haven't realised it yet! Or perhaps you are afraid to consider it!

I hope this gets you thinking a little.

Paddy.

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