Podcast121: The Transparency Task Force with Andy Agathangelou
Informed Decisions Independent Financial Planning & Money Podcast
Release Date: 01/21/2019
Venture Capital and Private Market Investing with Rob and Scott
Informed Decisions Independent Financial Planning & Money Podcast
In this episode of the Informed Decisions podcast, I chat with Rob Halligan and Scott Ashmore, co-founders of Shuttle, a platform aiming to democratise access to private equity and venture capital investments. The conversation dives into the fundamentals of private markets, how they differ from public equity investing, and why early-stage companies often turn to private capital over traditional bank loans. Rob and Scott shed light on the risk-reward profile of venture investing, the importance of diversification, and how Shuttle helps everyday investors participate in an asset...
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Understanding Your Defined Benefit Pension Scheme
Informed Decisions Independent Financial Planning & Money Podcast
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...
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Flashback to episode 296 - Risk of Ruin...Lifestyle & Default Investment Pension Strategies
Informed Decisions Independent Financial Planning & Money Podcast
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 s 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...
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How Big Should My Pension Be?
Informed Decisions Independent Financial Planning & Money Podcast
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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8 Years Later! The Soul of Wealth with Dr. Daniel Crosby
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I chat with Dr. Daniel Crosby. He discusses the evolution of behavioral finance over the past eight years, reflecting on the growing acceptance and understanding of the field. He shares insights from his latest book, 'The Soul of Wealth,' emphasising the importance of health, happiness, and meaningful spending. The discussion also covers the role of community in financial behavior, the impact of delayed gratification, and the future of wealth management in an AI-driven world. Crosby highlights the necessity of practical applications in financial education and the...
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What's the best ARF Fund for my pension?
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast #334 I take a look ARFs If you google 'best ARF Fund in Ireland' today, you will get many results. The first few are of course paid-for, sponsored adverts from firms who want your clicks (and are paying handsomely for them!). There are then quite a few other firms who have written about this 'best ARF fund in Ireland' topic. This week I share a very short piece which shows the actual outcomes of a scenario where one invested in different funds, portfolios and companies over the past decade or more, and what we can learn from it. And if anyone needs a reminder, an ARF is...
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Saving & Gifting to Kids in Ireland? Doing it Wrong Costs Thousands in Tax
Informed Decisions Independent Financial Planning & Money Podcast
In this week's episode, I explore crucial financial planning lessons for Irish families, highlighting examples where small oversights led to significant tax bills. Discover how one family's misunderstanding of Ireland's Dwelling House Exemption resulted in an unexpected €77,000 tax liability, and how another family's mismanagement of the Small Gift Exemption cost them over €65,000. Learn essential strategies for gifting, saving, and inheritance planning, and understand why precise adherence to tax regulations, supported by expert advice, is key to safeguarding your family's financial...
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'Your Best PRSA & Master Trust Options' - with Glenn Gaughran
Informed Decisions Independent Financial Planning & Money Podcast
In episode 332 of the Informed Decisions Podcast, Paddy speaks with Glen Gaughran, Director and Head of Business Development at Independent Trustee Company (ITC). With nearly two decades of experience overseeing thousands of self-administered pension schemes, Glen offers insight into how the pension environment in Ireland is evolving and what individuals and business owners need to know. We explore the significant regulatory changes impacting Irish pensions, including the closure of executive and single-member schemes under the IORP II directive. Glen explains how the...
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Exit from Work: Redefining Retirement with Dr. Gregg Lunceford
Informed Decisions Independent Financial Planning & Money Podcast
Informed Decisions Podcast | Episode 331 In this insightful episode, Paddy engages with Dr. Gregg Lunceford - retirement researcher, Certified Financial Planner®, and author of Exit from Work: What Will the New You Look Like? -to explore the evolving concept of retirement. Gregg discusses the emotional and psychological aspects of transitioning from traditional employment, emphasising the importance of planning for a fulfilling "third age" of life. He offers valuable perspectives for those in Ireland contemplating retirement or a career pivot, highlighting strategies to navigate this...
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Gillen Markets GM Fund Analysis & Review
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast, 330, I take a look at Gillen Markets. Gillen Markets have built a solid reputation as investment managers and advisors over the past decade and a half, led by founder Rory Gillen. They reportedly manage and advise on over €600m for c.500 families. They made the headlines last week, having announced that they were selling their business to Quilter Cheviot, a UK and Irish based Discretionary fund manager, for an undisclosed sum. As these things always do; it piqued interest in terms of the consolidation of yet another firm, but also in Gillen Markets own Gillen...
info_outlineHi and welcome to Ireland's dedicated Financial Planning and Personal Finance Podcast. We are on a mission to share ideas and unbiased insights that might help you make beneficial decisions.
Speaking of mission we are joined this week by non-other than Andy Agathangelou who founded the Transparency Task Force and which is on a mission to have a positive and lasting difference on financial services and on those that it exists to serve.
I was so taken by Andy and the band of volunteers that have joined him that I have accepted the invitation to become Ireland's first (and so far only!) Ambassador. It is my intent to help have a positive difference on this mighty profession so that it can survive, serve and help many more thousands in the years ahead.
Thanks for listening!
Paddy Delaney
QFA |RPA | APA | Qualified Coach