by Paddy Delaney (Parent, Educator, Qualified Planner & Executive Coach)
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
Language
🇺🇲
Publishing Since
8/1/2016
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July 13, 2026
<p class="font-claude-response-body break-words whitespace-normal"> This one was recorded a while back (in 2024), but the argument hasn't dated a day, if anything, it holds up better now than when we first put it out. A of complexity in Irish pension and investment advice isn't there to help you. It's there to help the person selling it. In this episode, Paddy explains why simplicity almost always beats sophistication when it comes to your pension and investment planning, and what a genuinely simple structure actually looks like.</p> <p class="font-claude-response-body break-words whitespace-normal"> What you'll learn:</p> <p class="font-claude-response-body break-words whitespace-normal"> ● Why financial firms are often incentivised to make your pension and investments more complicated than they need to be</p> <p class="font-claude-response-body break-words whitespace-normal"> ● The real-world cost of sophisticated, structured investment products that underperform</p> <p class="font-claude-response-body break-words whitespace-normal"> ● What a simple, transparent pension and investment structure actually looks like in practice</p> <p class="font-claude-response-body break-words whitespace-normal"> ● The questions worth asking any advisor before trusting them with your retirement assets</p> <p class="font-claude-response-body break-words whitespace-normal"> If you've ever had a feeling that your own pension or investment structure is more complicated than it needs to be, this episode is for you.</p> <p class="font-claude-response-body break-words whitespace-normal"> 🎙️ Full podcast episode and 📖 Blog: <a href= "http://www.informeddecisions.ie/post/simplicity-over-sophistication-pension-planning"> www.informeddecisions.ie/post/simplicity-over-sophistication-pension-planning</a></p> <p class="font-claude-response-body break-words whitespace-normal"> And a quick word on something new: alongside the podcast, I've started putting together shorter pieces for YouTube: <strong>Paddy's Pension Pieces</strong>. Each one built around a single question from a fuller episode or a specific topic I'd like to discuss in shorter time . The first is up now, on what a €1 million pension pot in Ireland actually leaves you with after tax: check out our YT Channel to discover :) More to follow.</p> <p class="font-claude-response-body break-words whitespace-normal"> 📊 Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: <a class= "underline underline underline-offset-2 decoration-1 decoration-current/40 hover:decoration-current focus:decoration-current" href= "https://www.informeddecisions.ie/pension-calculator">https://www.informeddecisions.ie/pension-calculator</a></p> <p class="font-claude-response-body break-words whitespace-normal"> 📅 Find out how we work: <a class= "underline underline underline-offset-2 decoration-1 decoration-current/40 hover:decoration-current focus:decoration-current" href= "https://www.informeddecisions.ie">https://www.informeddecisions.ie</a></p> <p class="font-claude-response-body break-words whitespace-normal"> DISCLAIMER This content is for general educational purposes only and does not constitute personalised financial advice. Everyone's situation is different — always speak to a qualified, independent advisor before making pension or investment decisions. Tax rules and pension regulations change; figures quoted are accurate at time of recording.</p>
July 6, 2026
<p class="SourceCode"><span lang="EN-US" xml:lang="EN-US">Two people can retire with the same ARF, the same average return, and the same</span><span lang="EN-US" xml:lang="EN-US"><br /> <span class="VerbatimChar">withdrawal rate and still end up in completely different places. One leaves</span><br /> <span class="VerbatimChar">over €1m to his family. The other runs out of money before he turns 88. The only</span><br /> <span class="VerbatimChar">difference is the order in which the returns arrived.</span><br /> <br /> <span class="VerbatimChar">In this episode, Paddy breaks down sequence of returns risk in Ireland. The risk</span><br /> <span class="VerbatimChar">that gets far less attention than fund performance or pot size, but can matter</span><br /> <span class="VerbatimChar">more than either.</span><br /> <br /> <span class="VerbatimChar">What you'll learn:</span><br /> <span class="VerbatimChar">• Why sequence of returns doesn't matter at all while you're still accumulating</span><br /> <span class="VerbatimChar">• Why the first ten years of drawdown can account for roughly 77% of your final outcome</span><br /> <span class="VerbatimChar">• How Revenue's 4%/5%/6% imputed distribution rules interact with this risk in an Irish ARF</span><br /> <span class="VerbatimChar">• Four practical ways to protect your ARF: cash buffers, dynamic withdrawal, portfolio</span><br /> <span class="VerbatimChar"><span style= "mso-spacerun: yes;"> </span> construction, and timing flexibility</span><br /> <br /> <span class="VerbatimChar">If you're within a decade of retirement, or already drawing an income from your ARF, this</span><br /> <span class="VerbatimChar">is worth half an hour of your time. Enjoy!</span><br /> <br /> <span class="VerbatimChar">🎙️ Find all the full podcast episode and 📖 Blog here: <a href= "https://www.informeddecisions.ie/post/sequence-of-returns-risk-ireland"> www.informeddecisions.ie/post/sequence-of-returns-risk-ireland</a> </span><br /> <span class="VerbatimChar">📊 Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: <a href= "https://www.informeddecisions.ie/pension-calculator">www.informeddecisions.ie/pension-calculator</a> </span><br /> <span class="VerbatimChar">📅 Find out how we work: <a href= "https://www.informeddecisions.ie">www.informeddecisions.ie</a> </span><br /> <br /> <span class="VerbatimChar">DISCLAIMER This content is for general educational purposes only and does not constitute</span><br /> <span class="VerbatimChar">personalised financial advice. Everyone's situation is different. Always speak to a</span><br /> <span class="VerbatimChar">qualified, independent advisor before making pension or investment decisions. Tax rules and</span><br /> <span class="VerbatimChar">pension regulations change; figures quoted are accurate at time of recording.</span></span></p>
June 29, 2026
<p class="MsoNormal" style="margin-bottom: 3.0pt;"><span lang= "EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">An Enduring Power of Attorney (EPA) is the planning step most Irish adults never get to. Only around 8% have one, against roughly a third who've made a will. Yet if you lost capacity tomorrow, it's the document that decides whether the people you trust can actually act for you, or whether your family ends up in front of the Circuit Court.</span></p> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span lang= "EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">Paddy Delaney is joined by Áine Flynn, Director of Ireland's Decision Support Service, for a clear, practical conversation about planning ahead. If you're approaching retirement with assets to protect, this one matters.</span></p> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span lang= "EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">In this episode:</span></p> <ul style="margin-top: 0cm;" type="disc"> <li class="MsoNormal" style= "margin-bottom: 3.0pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;"> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang= "EN-GB">Why your next of kin can't automatically step in. And what an EPA changes</span></li> <li class="MsoNormal" style= "margin-bottom: 3.0pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;"> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang= "EN-GB">The joint-account trap most couples assume protects them</span></li> <li class="MsoNormal" style= "margin-bottom: 3.0pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;"> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang= "EN-GB">What it costs (€30 to register, €90 to activate) and how the DSS process works</span></li> <li class="MsoNormal" style= "margin-bottom: 3.0pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;"> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang= "EN-GB">The "holy trinity": Will, EPA and Advance Healthcare Directive, and what each one covers</span></li> </ul> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span lang= "EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">If you want genuine clarity on protecting yourself and the people you love, whatever happens, this episode is for you.</span></p> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span style= "font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji';"> 🎙️</span> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">Full episode (video) and</span> <span style= "font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji';"> 📖</span> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">Blog: www.informeddecisions.ie/post/enduring-power-of-attorney-ireland</span></p> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span style= "font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji';"> 📊</span> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator</span></p> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span style= "font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji';"> 📅</span> <span lang="EN-GB" style="mso-ansi-language: EN-GB;" xml:lang="EN-GB">Find out how we work: https://www.informeddecisions.ie</span></p> <p class="MsoNormal" style="margin-bottom: 3.0pt;"><span lang= "EN-GB" style="mso-ansi-language: EN-GB;" xml:lang= "EN-GB">DISCLAIMER This content is for general educational purposes only and does not constitute personalised financial or legal advice. Everyone's situation is different — always speak to a qualified, independent advisor (and a solicitor for legal documents) before making pension, investment or estate-planning decisions. Rules and figures change; figures quoted are accurate at time of recording.</span></p>
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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
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