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Informed Decisions Independent Financial Planning & Money Podcast

Informed Decisions Independent Financial Planning & Money Podcast

Auteur(s): Paddy Delaney (Parent Educator Qualified Planner & Executive Coach)
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À propos de cet audio

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 Finances personnelles Économie
Épisodes
  • Understanding Your Defined Benefit Pension Scheme
    Jul 21 2025

    If you’ve ever looked at your pension statement and thought, “What does this actually mean?” You’re not alone. In this episode, #338, we’re cutting through the jargon and making sense of Defined Benefit (DB) pension schemes, especially for Irish employees and retirees.

    These schemes can offer incredible long-term value, but many people don’t fully understand how they work, what they’re worth, or what decisions they might face around them. Whether you’re still paying into a DB scheme or left it behind years ago, we’ll walk you through the key numbers, why these pensions are so unique, and how to approach big decisions, like whether to transfer out. It’s all about helping you understand, appreciate, and protect one of your most valuable financial assets.

    I hope it helps.

    Disclaimer

    The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.

    The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share

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    37 min
  • Flashback to episode 296 - Risk of Ruin...Lifestyle & Default Investment Pension Strategies
    Jul 14 2025

    For the past 8 years, I’ve been making the case that most investors, particularly those who can tolerate volatility, should avoid Lifestyle investment strategies in pensions. It’s been a lonely stance, with little to no mainstream coverage, even though investor feedback on my analysis was consistently positive.

    Back in early 2024, I shared updated research on Lifestyle and Default Investment strategies used by pension funds in Ireland. The results were clear: even after more than a decade of strong market performance, investors who took the ‘Do It For Me’ route, defaulting to cautious, de-risking strategies, ended up with significantly poorer outcomes than those who chose a more hands-on, equity-focused approach.

    Was I mad? Or missing something? It appears not.

    Disclaimer

    The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.

    The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share

    Voir plus Voir moins
    22 min
  • How Big Should My Pension Be?
    Jun 30 2025

    This week I flashback to a podcast from 2021! While it is a few years old its a common and important question.

    Key takeaways

    • How big your pension should be when you start drawing down income
    • How big your pension should be at various stages of your life
    • What you can do if it's not as big as you would like it to be!
    • How to live 14.9% longer!

    I hope it helps!

    Disclaimer

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    30 min

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