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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: 2024
May 20, 2024

In this week's podcast I tackle a topic that's been heavily addressed already, inflation - but in the context of what it means for your pension assets. You may have noticed the Consumer Price Index (CPI) suggesting that inflation rates are easing off from recent highs. However, if we cast our minds back to the mid-1960s to the early 1980s, history shows us that inflation tends to come in waves. It's not gone away - particularly for us long term investors!

I hope it helps

May 13, 2024

In this week's podcast I take a look at Bonds

If you've got a slice of your pension or investment pie in bonds—be it individual or a fund, government or corporate—you're in good company. Many savvy investors do, and have always done. It's always been seen as a smart move, a bit of "financial wisdom" passed down through generations! But lately, thanks in no small part that Bonds haven't been doing great, some are second-guessing this wisdom. 

I hope it helps.

Apr 29, 2024

In this week's podcast, I take another look at Lifestyle and Default Investment strategies for pension funds in Ireland. Something I've discussed before.

For the past 7 years, I have been making the case for avoiding Lifestyling for most investors (those that can handle volatility). And it's been a lonely place! While I had nothing but positive feedback from investors regarding these pieces - there was been little if any coverage of it from anyone else. Was I mad, or missing something? It appears not.

I hope it helps.

Apr 22, 2024

In this week's podcast, I talk about Larry Fink, Warren Buffet, and my granny's kitchen.

Larry Fink is renowned for his role as the CEO of BlackRock, one of the world's largest investment management firms. Much like Warren Buffett, Fink has earned a reputation as a visionary in the world of finance, leveraging his expertise to advocate for long-term investment strategies and the power of capital markets to drive economic growth. 

While it might be considered by some as a 'poor cousin' of the Berskshire Hathaway annual shareholder meeting, Fink publishes an annual letter that gets little coverage but does contain some interesting ideas and reflections on markets, investing and life.

Hope you find it interesting.

Apr 15, 2024

In this week's podcast, I talk about the Wealth of Health. 

Something slightly off-topic this week, and something far more concise that usual. I hope it helps you.


A definition of wealth is 'a plentiful supply of a particular desirable thing'.


Money is a desirable thing - and we put a lot of focus here on accumulating and protecting that in an efficient, stress-free and proven way. What else is desirable to most of us?

I hope it helps.

Apr 8, 2024

In this week's podcast I take a look at Fisher Investments Ireland.

Fisher Investments have been around the USA a long time apparently, and recently set-up shop in Ireland, but are Fisher Investments Ireland any good, I hear some ask? Are they a fish out of water, or are they a saviour landed on our shores! Lets find out!

I hope it helps.

Mar 11, 2024

One of my favourite podcasts is The Compound & Friends featuring hosts Josh Brown and Michael Batnick of 'Ritholtz Wealth' in the US. They are irreverent, funny, informative and between them and their varied guests (they call them 'friends'!) share some great insights and information.

In recent weeks they have touched on a wide variety of topics, but two in particular caught my attention most, and I felt might be worth sharing with you in this weeks' podcast.

I hope it helps.

Mar 4, 2024

In this week's podcast I talk about the scandal of UK investment firm Saint James' Place. It is a monstrous financial advice and investment firm regulated by the FCA in the UK.

It has been marred by scandals over the past few years. They've been accused of it all; from 'rogue' investment managers (whose clients are still trying to get their money back), to recent over-charging claims. Is there a lesson for us to learn here about it? Lets take a quick look.

 

I hope it helps.

Feb 26, 2024

In this week's podcast we talk about Retirement Investment: The Case for Equity Over Bonds.

Research published in October 2023 suggests a significant shift in retirement investment strategies is merited. The research indicates that retirees often benefit more from an equity-focused portfolio rather than the traditional equity/bond split. 

In Ireland, embracing an all-equity portfolio comes with its distinct advantages and challenges for retirees.

I hope it helps.

Feb 19, 2024

In this week's podcast I talk about S&P500 and if it's a good idea or not to go All-In.

Should you bet all your investment or pension assets on the good 'ol S&P500? Or would you be considered 'bananas' to do so?!? As with a lot of my podcasts, this is inspired by a recent conversation. Conversations that I love to have and to explore with clients.

Could one say that a financial advisor is not doing right by their clients if they are NOT advising all their clients to go all-in on S&P500 or the Nasdaq??!

It's important to make an informed decision.

I hope this helps!

Feb 12, 2024

Pension Lifestyling in Ireland is rampant.


By my reckoning, the vast majority of people with pensions are invested in insurance company pension schemes using 'Pension Lifestyling'. This week I explore if that is a prudent approach for you as a pension holder on the cusp of retirement, or a useless sales tool that you should avoid like the plague.

 

I hope it helps.

Jan 29, 2024
In this week's podcast Paddy has a fantastic chat with Anne Lester.
 
Anne Lester is a retirement expert, author, media commentator, top-rated speaker and former Head of Retirement Solutions for JPMorgan Asset Management, where she worked almost 30 years. In 2020, Anne was recognized for her extraordinary lifetime contributions to Americans’ economic security with the prestigious Ray Lillywhite Award.
 
 
Anne, like Paddy is on a mission, her mission is to help rising leaders to retire on their time and target.
 
 
Key topics
  • Financial planning
  • Anne's journey
  • How and why she wrote a book
  • How and why she didn't lead by example all her life
  • Key things she recommends people can do to rewire and rethink how they go about their own money management
 
 
Anne's book: Your Best Financial Life is set to be released on 12 March, 2024.
 
Money Doesn't Grow On Trees: A Parent's Guide to Raising Financially Responsible Children
 
 
https://annelester.com/
https://www.linkedin.com/in/savesmartwanne/
@savesmartwanne on Instagram 
https://www.youtube.com/@savesmartwanne
 
 
Hope it helps.
Jan 22, 2024

Something a little different, and a lot shorter this week.

Far too often, when a prospective client asks me to run the rule over their financial affairs, I see complexity and sophistication, and resultant negative outcomes. It is not their fault, it is the fault of 'experts' plying their 'sophisticated' trade.

I hope it helps.

Jan 15, 2024

On this week’s podcast, Paddy talks about which investments of the past few years in Ireland were the best.

He will analyse two very different investment approaches; one a middle of the road insurance company approach, the other an aggressive multi-national fund manager approach. And before delving in, consider what you believe the meaning of 'best investment' is!?

 

Depending on your perspective it could be any of the following;

  • Least volatile

  • Lowest cost

  • Most transparent

  • Highest returns

  • Most diversified

  • Most volatile

Hope you find this helpful

 

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