This week I take a look at Pension Adjustment Orders.
Pension Adjustment Orders are things that none of us probably anticipate we need to know about, until we do. This week I will share the following, in the hope that it might help you or a loved-one;
I hope it helps.
In this week's podcast, I take a look at lump sum invested vs dollar cost averages €1m in Ireland.
Key topic points:
I hope it helps!
In this week's podcast we have a fantastic, informative chat with awarding winning, international expat tax advisor, KPMG chartered accountant, and tax specialist, Stephanie Wickham.
Key topics include:
I hope it helps.
In this week's podcast I talk about Guardrails for Irish retirees.
One of the big questions I hear from clients heading into their 'next chapter' (blissful retirement!) is: how much can I actually spend each year without running out of money?
It’s a great question – and one that deserves a well-thought-out answer. As financial advisors, it’s part of our job to help you figure that out, and there are a few different ways we can go about it.
I hope it helps!
This week I share a short piece with you to help prepare for relevant (potential) changes in the upcoming Budget. What we'll all want to avoid is seeing a change come into effect that we could have seen coming, and that we could regret not having taken action on! We want to avoid regret, so lets not look back in anger - I heard you say! I'll touch on;
I hope it helps.
In this week's podcast we talk about what’s happening with bonds and why you should care.
Over the past two years, we've seen dramatic shifts in the bond markets. Lots of investors and pension holders in Ireland have often large swathes of Bond Funds within their investment and pension portfolios. But often have never had clarity on what they are or why they move around a bit!
It’s been a bit of a rollercoaster, to put it mildly.
I hope it helps.
In this week's podcast, I cover a topic that I did a couple of years ago. FET is still an issue that I believe awareness is still not as wide as it should be.
Potential Federal Estate Tax (FET) on US-based assets is critical for for us all to be aware of, and is often unknown. If you have more than $60k worth of assets domiciled in the USA, could this be a lurking menace in your wealth??
There are a huge number of people here in Ireland, c20,000 in the top 5 US companies alone, who are receiving US stock options and who therefore own US assets.
I hope this helps.
This week's podcast was a difficult one to do, and I'm still not sure if it's appropriate or not for this space, but my intent is to look for the positives, and to be reminded of a few key principles, financial and non-financial. I hope it helps, both you and I!
For those looking to pass on wealth while trying to simultaneously reduce tax on the proceeds, Section 73 investment plans offer a potential solution. These plans are specifically designed and sold to try manage Capital Acquisitions Tax (CAT) liabilities on gifts, and to provide a potentially tax-efficient way to transfer assets to loved-ones. But do they work? Lets explore!
I hope it helps.
Paddy Delaney QFA RPA
This week's podcast is the 300th Informed Decisions Personal Finance Podcast, so it is a little bit different than the usual!
Key topics are:
Hope you enjoy!
In this week's podcast I take a look at Section 72 policies. What are they and what's good and bad about them? What would the outcome look like if you saved the premium instead?
Section 72 policies are often discussed as a tool to manage inheritance tax liabilities and to maximise the legacy they leave to loved-one.
I hope it helps.
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
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.