Cash Is King? Podcast 269
Informed Decisions Independent Financial Planning & Money Podcast
Release Date: 08/14/2023
Markets Fall, I Hate It Too, But It's Always Temporarily!
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I talk about what's on a lot of people's minds - the markets. As many expected, the media ran amock with the 'Liberation Day' announcements, and the resultant panicked actions of some investors led to the markets falling (as they do, a lot, temporarily!). Last Friday it seemed that every post I saw on Linkedin was by an advisor saying something to the effect of 'Don't worry your little head about the markets - we'll be fine'. As advisors, our intent in saying such things is generally always positive, however we don't generally always get that...
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Investing in Emerging Market Sectors with Kevin Carter EMQQ Global
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I chat with Kevin Carter, founder and CIO of EMQQ, investors in the emerging market technology sector. A really interesting conversation, which I hope you find helpful Key topics: What EMQQ does Kevin's approach Future of Emerging Markets Non Traditional Way to Invest in Emerging Markets China and India Kevin T. Carter is the Founder & Chief Investment Officer of EMQQ Global, including EMQQ, FMQQ, and INQQ. While he considers himself an active “value” investor first and foremost, he has collaborated with Princeton economist and...
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Why Indexing Still Wins for Long-Term Investors and Pension Holders
Informed Decisions Independent Financial Planning & Money Podcast
Back in 2020, I wrote a piece outlining the uncomfortable truth that active fund managers find it hard to wrestle with....that most of them consistently fail to outperform 'the market'. Fast forward to 2025, and guess what? Nothing appears to have changed. In this podcast, I'll share the following: Why low-cost index funds continue to outperform the majority of actively managed funds The latest 2024 hardcore data that confirms the long-term underperformance of most active managers Why much spoken-about market concentration isn’t a reason to abandon passive investing Common arguments...
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Best Pension Option For Self-Employed Directors in Ireland (in 2025!)
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I talk about pension options for self-employed directors. Over the past 3 years, the actual best pension option for self-employed directors has changed 3 times! Not because Financial Advisors and Planners were flip-flopping on their options (or trying to churn new business!), but because Revenue rules kept changing! So to help clear any confusion, and to light the way for directors that need to know, I'll share the following; -The main pension planning options for directors in 2025 -The best pension option for self employed directors in different...
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Rental Income Tax Planning with Brendan Allen
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast, I chat with Brendan Allen a specialist in property tax. He is a Chartered Tax Accountant and Chartered Tax Advisor, and is the owner of Allen & Co Tax Accountants and Landlord Tax Returns and is passionate about tax talk. Key topics Intricacies of tax of landlords Landlord tax credit Rent pressure zones Pros & Cons Pensions Private landlord current situation I hope it helps! Link to our Blog in 2017 and our Podcast here Link to Rental Income Stress Test Calculator
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Building Olympic Resilience with David Gillick
Informed Decisions Independent Financial Planning & Money Podcast
On this week's podcast, episode 324, I chat with Olympian, David Gillick about resilience and his journey and how he got through some really dark days. Something we will experience as investors. David shares some fun and interesting stories David is one of Ireland most successful sprint athletes. He stepped off the track in 2013 after a successful athletics career which included winning Ireland’s first sprint gold medal in 76 years when winning the European Indoor 400m championships in 2005. He went on to retained his title in 2009 and became an Olympian in 2008. David...
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US Market Warnings – And What We Can Do About It
Informed Decisions Independent Financial Planning & Money Podcast
There is more and more commentators shouting from the roof-tops about the massive growth of North American stock values and earnings over the past few years (since Covid really). I’ll explore what is and isn’t really happening, and what one’s practical options are. Specifically, the following are the claims/alarms being flagged; US Tech stocks have gone so incredibly well for several years, these companies, and the US is now over-priced and make up larger proportions of Globally Market than they ‘should’. The future expected returns from S&P500 as...
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EIIS Investing in Ireland with Kevin Canning
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I talk with Kevin Canning, Managing Director of Quintas Capital. Kevin specialises in private markets and is the Investment Director of The EIIS Innovation Fund managed by Quintas. He is a Chartered Accountant (ACA), a Chartered Tax Advisor (CTA), and a respected member of the Irish Tax Institute, underscoring his comprehensive understanding of finance and taxation. I hope you enjoy this interesting conversation. Key Topics What Quintas does EIIS Innovation Fund How private investing works
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Holding Companies and Family Partnerships For Smart Tax Planning
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I chat to John Murphy a Director of OmniPro Tax and Legal Limited John is a Chartered Tax Adviser, who works with clients on income tax, tax planning, restructuring to exit planning as well as advising on company law in relation to these and many other matters. We talk about holding companies and family partnerships for smart tax planning. Key topics Who are OmniPro 2025 changes to tax planning Business Structure planning Holding companies Non Business Assets Family Partnerships To learn more about OmiPro's services and...
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Jordan Grumet Interview - Longevity, Health & Happiness
Informed Decisions Independent Financial Planning & Money Podcast
In this week's podcast I talk to Dr. Jordan Grumet, about the topics he covers in his new book The Purpose Code. Bringing together the topics of longevity, health, purpose and money. The Purpose Code hopes to help you what purpose really is and the role it plays in our lives. Jordan’s podcast –
info_outlineToday I share some thoughts on holding cash, some saucy Central Bank of Ireland research on Irish households, and a warning about going all-in!
Irish Household Wealth
Aside from their regulatory role over financial services, Central Bank of Ireland share some really interesting research and reports. One such recent report was their 'Quarterly Financial Accounts' for Ireland.
For me, one of the greatest signals of our financial health as a nation is our 'Household Debt'. This rate hit a high in 2007 when it stood at €203BN. Working on the basis that there are c3.6m adults in Ireland this was around €60k debt for every man and woman over 18 years of age in the country!
That €203BN debt figure has fallen steadily since 2007, to €131BN in 2020, (€36k per adult) and now sits at c€120BN (€33k per adult).
Read on!
Paddy.