loader from loading.io

Tax Rates for Retirees in Ireland (2025)

Informed Decisions Independent Financial Planning & Money Podcast

Release Date: 12/16/2024

'Your Best PRSA & Master Trust Options' - with Glenn Gaughran show art '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...

info_outline
Exit from Work: Redefining Retirement with Dr. Gregg Lunceford show art 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...

info_outline
Gillen Markets GM Fund Analysis & Review show art 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_outline
Markets Fall, I Hate It Too, But It's Always Temporarily! show art 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...

info_outline
Investing in Emerging Market Sectors with Kevin Carter EMQQ Global show art 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...

info_outline
Why Indexing Still Wins for Long-Term Investors and Pension Holders show art 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...

info_outline
Best Pension Option For Self-Employed Directors in Ireland (in 2025!) show art 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...

info_outline
Rental Income Tax Planning with Brendan Allen show art 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   

info_outline
Building Olympic Resilience with David Gillick show art 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...

info_outline
US Market Warnings – And What We Can Do About It  show art 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...

info_outline
 
More Episodes

In this week's podcast, the last for 2024 I talk about Tax Rates for Retirees in Ireland (2025).

We spend a lot of time planning, analysing and accumulating retirement assets, often without clarity on the tax rates for retirees in Ireland! Time to start fixing that dear listener.

Planning take-home retirement income requires careful consideration of tax bands, credits, and income sources. In 2025, singles and couples can benefit from expanded tax bands and additional credits from 2024, which can and will positively affect their take-home income

I hope it helps

Disclaimer