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
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Publishing Since
8/1/2016
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June 1, 2026
<p class="MsoNormal">"There's a pension somewhere in your name that you haven't looked at in five years."</p> <p class="MsoNormal">That's a sentence Paddy finds himself saying in client meetings more often than you'd expect. Across a 25-year career, the typical Irish professional works for three or four different employers — and the result, by the time someone reaches their mid-fifties, is often €100,000 to €500,000 spread across multiple dormant pensions that haven't been reviewed in years.</p> <p class="MsoNormal">In this episode, Paddy walks through what he calls the forgotten pension problem: the structural feature of Irish pension administration that means employer-funded pensions don't follow you when you change jobs. He explains the 2-year vesting rule, what it means to be a "deferred member" of a scheme, and the four decisions every senior professional faces when leaving a role with a pension: leave it where it is, transfer to your new employer's scheme, transfer to a Personal Retirement Bond, or transfer to a PRSA.</p> <p class="MsoNormal">He also covers two structural changes that took effect at the start of 2026. The first is auto-enrolment "My Future Fund", which launched on 1 January 2026 and now automatically enrols workers earning over €20,000 who aren't already in a workplace pension. The second is a new restriction: transfers from group occupational schemes to personal pension structures (PRSA or PRB) are now only permitted before Normal Retirement Age — a planning point for anyone approaching a late-career exit.</p> <p class="MsoNormal">The episode closes with the annual pension audit — three questions Paddy walks through with clients each year to address the forgotten pension problem deliberately rather than letting inertia decide.</p> <p class="MsoNormal">TIMESTAMPS</p> <p class="MsoNormal">(<span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">00:00) Introduction to Forgotten Pensions</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">(01:53) Understanding the Forgotten Pension Problem</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">(07:32) Options for Managing Your Pension</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">(18:26) Recent Changes in Pension Regulations</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">(27:12) Key Considerations for Senior Professionals</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">(31:15) Strategies to Address the Forgotten Pension Problem</span></p> <p class="MsoNormal">RESOURCES MENTIONED</p> <p class="MsoNormal">•<span style= "mso-spacerun: yes;"> </span> Full blog post (with the four-options framework, 2026 rule changes, and audit checklist):</p> <p class="MsoNormal"><span style= "mso-spacerun: yes;"> </span> <a href= "https://www.informeddecisions.ie/pension-when-you-change-jobs-ireland/"> https://www.informeddecisions.ie/pension-when-you-change-jobs-ireland/</a></p> <p class="MsoNormal">•<span style= "mso-spacerun: yes;"> </span> Companion episode — PRSA vs Company Pension / Master Trust:</p> <p class="MsoNormal"><span style= "mso-spacerun: yes;"> </span> <a href= "https://www.informeddecisions.ie/prsa-vs-company-pension-ireland/"> https://www.informeddecisions.ie/prsa-vs-company-pension-ireland/</a></p> <p class="MsoNormal">•<span style= "mso-spacerun: yes;"> </span> All Informed Decisions podcast episodes:</p> <p class="MsoNormal"><span style= "mso-spacerun: yes;"> </span> <a href= "https://www.informeddecisions.ie/podcast/">https://www.informeddecisions.ie/podcast/</a></p> <p class="MsoNormal">ABOUT THE SHOW</p> <p class="MsoNormal">The Informed Decisions podcast is hosted by Paddy Delaney QFA RPA APA — independent, fee-only retirement planner in Ireland. The podcast and the blog at informeddecisions.ie are educational resources for Irish professionals, business owners, and high-net-worth individuals navigating retirement, tax efficiency, and investment strategy.</p> <p class="MsoNormal">Find Paddy at <a href= "https://informeddecisions.ie">https://informeddecisions.ie</a></p> <p class="MsoNormal">DISCLAIMER</p> <p class="MsoNormal">This podcast is for general educational purposes only. It does not constitute personalised financial advice. Figures and rules referenced reflect the position as at May 2026 and are subject to change. Always speak to a qualified, independent financial advisor about your specific situation.</p>
May 25, 2026
<p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"><span lang= "EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">After the 22 April IORP II deadline, thousands of Irish directors are now in a pension structure they didn't deliberately choose. Most transitioned from an executive pension to a Master Trust or a PRSA under time pressure. Few sat down to ask whether the resulting structure is actually the one that serves them best.</span></p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"><span lang= "EN-GB" style="color: black; font-size: 12pt;" xml:lang="EN-GB">In this episode, Paddy walks through the PRSA versus Executive Pension / Master Trust decision in detail: <strong>Funding mechanics, lump sum comparison, death benefit treatment, and the second decision most people never review: the investment mandate inside the structure.</strong></span></p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"><span lang= "EN-GB" style="color: black; font-size: 12pt;" xml:lang="EN-GB">The episode is anchored to an anonymised client story: a company director in his mid-60s who came to Informed Decisions in early 2023 with a €1.4m pension and one question. Less than three years later, with a different structure and a different investment mandate, that pension is worth over €2m. The estimated cost of taking the "safe" advice he was offered elsewhere: approximately €500,000 of growth.</span></p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"> </p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"><span style= "font-size: 12pt;"><strong><span lang="EN-GB" style="color: black;" xml:lang="EN-GB">WHAT'S COVERED</span></strong></span></p> <ul> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">Why the IORP II deadline forced a structural decision under time pressure</span></li> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">How PRSA contribution rules changed in 2023 and 2025</span></li> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">When the Master Trust's salary-and-service formula beats the PRSA's 100 % cap</span></li> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">How the 1.5× salary lump sum compares to the PRSA's 25 % rule</span></li> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">Why the PRSA's uncapped death benefit can change estate planning</span></li> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">How the Standard Fund Threshold (€2.2m → €2.8m by 2029) affects strategy</span></li> <li class="MsoNormal" style="line-height: 133%; font-size: 12pt;"> <span lang="EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">Why de-risking at 65 doesn't fit modern Irish retirement timelines</span></li> </ul> <p class="MsoNormal" style="margin-bottom: 5.0pt;"><span lang= "EN-GB" style="font-size: 12pt;" xml:lang="EN-GB"><span lang= "EN-GB" xml:lang="EN-GB">Full written breakdown with comparison table, IORP II timeline, and FAQs:</span> <a href= "http://www.informeddecisions.ie/post/prsa-vs-company-pension-ireland"> www.informeddecisions.ie/post/prsa-vs-company-pension-ireland</a></span></p> <p class="MsoNormal" style="margin-bottom: 5.0pt;"><span lang= "EN-GB" style="font-size: 12pt;" xml:lang="EN-GB">If this episode raised questions about your current contribution strategy is going to get you where you want to go, that's exactly what we work through with clients. Find out more at <a href= "https://www.informeddecisions.ie">https://www.informeddecisions.ie</a> </span></p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"> </p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"><span style= "font-size: 12pt;"><strong><span lang="EN-GB" style="color: black;" xml:lang="EN-GB">ABOUT</span></strong></span></p> <p class="MsoNormal" style= "line-height: 133%; margin: 3.0pt 0cm 3.0pt 0cm;"><span lang= "EN-GB" style="color: black; font-size: 12pt;" xml:lang= "EN-GB">Informed Decisions is an independent, fee-only financial advisory firm in Ireland. Paddy Delaney works with a small number of clients each year, typically business owners and senior professionals approaching retirement, to plan and protect retirement decisions in coordinated, tax-efficient ways.</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "color: black; font-size: 12pt;" xml:lang="EN-GB">If today's episode raised questions about your own pension: whether the structure is right, whether the investment mandate has been reviewed, or how to think about both together: visit <a href= "https://www.informeddecisions.ie">https://www.informeddecisions.ie</a> to see how we work.</span></p> <p class="MsoNormal"><span style= "font-size: 12pt;"><strong><span lang="EN-GB" style="color: black;" xml:lang="EN-GB">DISCLAIMER</span></strong></span></p> <p><span style="font-size: 12pt;"><span lang="EN-GB" style= "color: black;" xml:lang="EN-GB">This podcast 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.</span></span></p>
May 18, 2026
<p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">Most people approaching retirement believe their job is to reduce risk. Get out of equities. Move into something safe. Ben Carlson disagrees — and he has the research to back it up.</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">Ben is Director at Ritholtz Wealth Management in the US, author of Risk and Reward (Harriman House, May 2026), and one of the most widely read financial writers working today. He's spent his career studying every major market crash in modern history: the Great Depression, Japan's lost decades, the dot-com bust, 2008 and what they actually mean for long-term investors.</span></p> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">In this episode, Paddy and Ben talk about Ben's new Book:</span></p> <ul> <li class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">They cover the yin and yang of Risk and Reward</span></li> <li class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">Why globally diversified investors still came out ahead from financial crises</span></li> <li class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">The three dimensions of risk tolerance (willingness, need, and ability)</span></li> <li class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB">How to think about drawdown and bucketing, inflation psychology, and the only benchmark that actually matters for someone approaching retirement.</span></li> </ul> <p class="MsoNormal"><span lang="EN-GB" style= "mso-ansi-language: EN-GB;" xml:lang="EN-GB"><strong>Ben's new book Risk and Reward</strong> is available now in Kindle, paperback, and audiobook (read by Ben himself) from Harriman House.</span></p> <p class="MsoNormal"><span lang="EN-GB" xml:lang="EN-GB">There's a full written article about this Interview with Ben on the blog at <a href= "http://www.informeddecisions.ie/post/retirement-risk-and-reward-ireland"> http://www.informeddecisions.ie/post/retirement-risk-and-reward-ireland</a> </span></p> <p class="MsoNormal"><span lang="EN-GB" xml:lang="EN-GB">If this episode raised questions about where you sit on the age-related table or whether your current contribution strategy is going to get you where you want to go, that's exactly what we work through with clients. Find out more at <a href= "https://www.informeddecisions.ie/">https://www.informeddecisions.ie</a> </span></p> <p><span lang="EN-GB" xml:lang="EN-GB">DISCLAIMER: This content is for general educational purposes only and does not constitute personalised financial advice. Always speak to a qualified, independent advisor about your own situation.</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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