I hope it helps!
There is more and more commentators shouting from the roof-tops about the massive growth of North American stock values and earnings over the past few years (since Covid really). I’ll explore what is and isn’t really happening, and what one’s practical options are.
Specifically, the following are the claims/alarms being flagged;
US Tech stocks have gone so incredibly well for several years, these companies, and the US is now over-priced and make up larger proportions of Globally Market than they ‘should’.
The future expected returns from S&P500 as a whole, so people ‘should’ now re-allocate to Europe, Emerging Markets and other locations, for future returns
I hope it helps.
In this week's podcast I talk to Dr. Jordan Grumet, about the topics he covers in his new book The Purpose Code. Bringing together the topics of longevity, health, purpose and money. The Purpose Code hopes to help you what purpose really is and the role it plays in our lives.
Jordan’s podcast – Earn & Invest
Planning for, and subsequently living (!) a dignified and choice-filled retirement is the biggest financial goal many of us have, or will have. It’s also a journey of uncertainties, and one of the biggest uncertanties is market volatility, both positive and negative.
We have experienced such positive market growth in the past 2 years in particular.
So, in the interest of being prepared financially and mentally :), in this week's podcast I explore the impact of the stock market having an illustrative 30% decline in 2025. This is not a prediction of market mayhem this year, it's a premortem to allow us consider what it might mean for us, how we might or might not react, in order to deliver better outcomes for you.
I hope it helps.
In this week's podcast, the last for 2024 I talk about Tax Rates for Retirees in Ireland (2025).
We spend a lot of time planning, analysing and accumulating retirement assets, often without clarity on the tax rates for retirees in Ireland! Time to start fixing that dear listener.
Planning take-home retirement income requires careful consideration of tax bands, credits, and income sources. In 2025, singles and couples can benefit from expanded tax bands and additional credits from 2024, which can and will positively affect their take-home income
I hope it helps
In this week's podcast, I talk about should I stay invested when markets are at all time highs, is something many will rightly ask. And here is the data to show it;
Large sections of the global equity universe are at or just below all-time highs. Does this mean there is a massive correction coming? Should I move to cash or some other low volatility asset class to protect my pot from a correction? Natural questions to ask. You probably know what my answer will be, but maybe don't know why it will be so.
I hope it helps.
In this week's podcast, I talk about Index Investing in Ireland – A topic that will be of interest to all
As you know at Informed Decisions, we believe in helping build a secure financial future through strategies grounded in research, not speculation. Today, I’d like to share why evidence-based investing, a disciplined approach driven by decades of data, stands out as one of the most reliable ways to achieve long-term financial success and security.
In this week's podcast, Paddy chats with Steve Selengut, a.k.a The Income Coach about income generation strategies. An interesting and different approach.
Steve has accumulated over 40 years of experience as a private investment manager, with a strong focus on increasing the spendable income generated by client portfolios. Today, his role has transitioned into that of an Income Coach, where he dedicated to teaching investors how to more than double the income produced by their portfolios.
Steve is the creator and instructor for the unique "Working Capital Model" portfolio operating system and the "Market Cycle Investment Management" methodology, both of which he developed back in the 1970s. Additionally, He introduced several proprietary concepts, including the QDI + PT, Smart Cash, The Investor's Creed, and Base Income. Steve also developed the Investment Grade Value Stock (IGVSI) identification system.
Key topics:
I hope it helps!
In this week's podcast, I talk about investment options in Ireland.
There are a bucket-load of investment options in Ireland. It is one of the biggest questions we see and hear from people. Yet, the landscape is fairly straight-forward once we get your head around it.
Plus, the route someone will take with their investments is often not led by logic, but by their internal biases. The same occurs when one is choosing their next car to buy!
Show me someone's car, and I'll tell you what kind of investments they have! So much so, I'll go on record as saying;
"The type of car you drive is a lead indicator of the type of investments options you choose" -Paddy Delaney :)
And to jump right-in, here is how I see the investment routes comparing to cars on the Irish roads!!.....
This week, having had time to do so, I share:
I hope it helps!
In this week's podcast, I talk about how much income will €1 million generate in retirement.
Planning for retirement in Ireland involves making important decisions about how to generate reliable income from your pension savings (assuming you use pensions as part of your strategy!).
We're going to take the case of our illustrative friend, Harry Houdini, who managed to escape from high-strain corporate role at the ripe young age of 55!
Key points:
I hope it helps!
In this week's podcast, I chat with Paul Molloy from Box Clever Tax. His motto is "to help clients pay the correct and lowest amount of tax possible."
Key topics
I hope it helps.
Atomic Habits by James Clear
If you're like most people we work with, as you approach retirement , you've probably found yourself asking the question: 'How much do I need to retire comfortably?'
It’s one of the most common questions we get here at Informed Decisions, and it’s a crucial one to address, especially with the financial landscape constantly shifting!
In this podcast, we’ll break it down step by step, using an example to give you a practical sense of what your retirement might look like financially, based on prudent and best-available assumptions.
I hope it helps.
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!