• Why retirement is less a maths problem and more a human challenge.
• The dangers of the “blank canvas” problem and why day 182 of retirement can be the most difficult.
• Dan’s five pillars of a thriving retirement: purpose, identity, relationships, structure, and wellbeing.
• The concept of memory planning—turning money into meaningful experiences rather than just numbers on a page.
• Why modern retirees are “first-generation retirement rebels” and how to overcome the fear of spending after decades of saving.

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

In our last podcast, we celebrated Fran's incredible achievement of amassing a €2 million pension pot through decades of disciplined saving and investing.

Some who read it were inspired, some were envious, and others said "I don't bloody need €2m pension pot"!

Today, we're asking a different question entirely: Do I actually need a €2 million pension pot to retire comfortably?

And you'll see why I suggest the following are appropriate pension pots to fund a 'comfortable' retirement lifestyle;

• c€500k if you plan to retire in your mid 60's
• c€1m if you would like to retire in your mid 50's

‍These may seem like a luxury questions, but are the most important aspects in our retirement planning in Ireland.

Because here's the truth: knowing how much you need to spend in retirement is key to knowing how much you need to save for your pension pot Ireland.

Disclaimer: Seek professional advice before taking any course of action.

Today, we’re diving into the real-life(ish) story of Fran – a regular guy who built a €2 million+ pension pot and retired at 55.

No big lotto win.
No magic investment hacks.
Just smart use of Ireland’s pension system, discipline, and a few skipped car upgrades!

Fran started young, contributed consistently, and maximised every bit of tax relief and employer matching he could get his hands on. He invested for growth, kept his cool through market crashes, and stuck to the plan. Over 30 years, a €350,000 net contribution turned into a €2 million pension pot.

We walk through:
• Exactly how Fran built that pot
• How he drew income tax-efficiently from 55 onwards
• How he used the ARF to stay flexible and keep control
• And how he left a legacy worth millions – without giving half of it to Revenue

If you're working in Ireland and want financial independence on your own terms, Fran’s journey is a blueprint worth paying attention to.

No fluff, no jargon – just a straight-talking guide to building your future wealth and freedom.

Let’s dive in and see what we can learn from Fran’s €2M success story.

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

Welcome to Informed Decisions Podcast, where we bring you expert insights for Irish investors and retirees.

Today, we have a rip-roaring guest joining us - Bill Bengen, the financial planner who literally wrote the book on retirement withdrawals. Back in 1994, Bill's groundbreaking research established what became known worldwide as the "4% rule".

This was the cornerstone of retirement planning, that suggests you can safely withdraw 4% of your portfolio annually without running out of money.

But here's where it gets interesting for our Irish listeners: Bill has been revisiting his own work, and his latest research suggests that retirees today might actually be able to take 5% from their Approved Retirement Funds over multiple decades, not the traditional 4% many have been following.

For those managing ARFs here in Ireland, this could be game-changing news. We know how crucial it is to balance enjoying your retirement years while ensuring your money lasts - it's that delicate dance between living well today and having security tomorrow.

Bill's going to walk us through exactly why he believes this adjustment makes sense in today's market conditions, and how to think about implementing this approach with your own ARF strategy.

Whether you're already drawing from your ARF or planning for that transition, this conversation could reshape how you think about your retirement income. Let's dive in with the man who started it all!

I hope it helps.

Paddy Delaney QFA RPA APA

Disclaimer: Seek professional advice before taking any course of action.

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

• Private vs Public Markets: Private equity involves investing in unlisted companies, offering potentially higher returns but greater risk and illiquidity.
• Venture Capital Basics: VC is a subset of private equity focused on early-stage, high-growth startups, structured around funding rounds (e.g., Seed, Series A-C).
• High Risk, High Reward: Venture capital returns follow a power law distribution—few winners generate most of the returns.
• Diversification is Key: Investors should aim for 50+ holdings to reduce risk; Shuttle structures this via quarterly “drops” of 2–3 companies.
• Accessibility: Shuttle enables retail investors to participate in venture deals from as little as €250 per quarter.
• Platform Model: Investors pay €250/year plus a 10% fee only on realised profits, aligning platform and investor interests.
• Liquidity & Exit: Returns typically take 5–10 years; Shuttle is exploring secondary markets to improve interim liquidity.
• Market Trends: Private companies are staying private longer; institutional data points to retail access as the next frontier.
• Educational Focus: Shuttle supports investor understanding through simplified UX, content, and risk-appropriate onboarding.

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

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

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!

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