Irish Landlord Tax & Tenancy Changes 2026: Expert Guide for Property Investors
Informed Decisions Independent Financial Planning & Money Podcast
Release Date: 02/09/2026
Private Credit in Ireland: Can You Actually Get Your Money Out?
Informed Decisions Independent Financial Planning & Money Podcast
There is a pitch doing the rounds in Irish advice circles at the moment: private markets have finally been democratised, and private credit and private equity are now open to anyone with a decent pension pot. But is it really like that? In this episode, Paddy looks at what is actually being sold, and at the one feature that matters more than anything else in the brochure, because liquidity here is offered, not guaranteed. Have a listen, if you’d like to get an idea of what these ‘zombie funds’ in the private markets sector are all about, what your ARF has to do with them, and what...
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Bucket vs. Total Return - Retirement Withdrawal Strategies for Investors in Ireland
Informed Decisions Independent Financial Planning & Money Podcast
If you’ve built a pension pot of €1m or more, you’ve almost certainly thought about how you’ll invest it in retirement. What a bunch of people haven’t thought through properly is how they’ll actually take the money out: that decision, not the fund selection, is often what determines whether your ARF supports you comfortably for thirty years, or gives you a fright in year eight. After his well deserved holiday, in this episode Paddy talks about retirement withdrawal strategies for an Irish ARF: the bucket strategy versus the total return strategy, and why the choice works...
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Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton
Informed Decisions Independent Financial Planning & Money Podcast
Most people spend decades building wealth and never quite get to the second question: not how do I protect this, but what do I actually want it to do? On this episode, Paddy Delaney talks to Denise Charlton, CEO of Community Foundation Ireland, about strategic philanthropy in Ireland. How it actually works, and where to start. What you'll learn: How a Donor Advised Fund works in Ireland, and why the entry point is lower than most assume (€25,000–€50,000) The difference between ad-hoc giving and strategic philanthropy How tax relief and Capital Acquisitions Tax exemptions apply to...
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Simplicity Is The Ultimate Sophistication (Replay)
Informed Decisions Independent Financial Planning & Money Podcast
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. What you'll learn: ● Why financial firms are often incentivised to make your pension and investments more complicated than...
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Sequence of Returns Risk: Same ARF. Same Return. Totally Different Outcome
Informed Decisions Independent Financial Planning & Money Podcast
Two people can retire with the same ARF, the same average return, and the same withdrawal rate and still end up in completely different places. One leaves over €1m to his family. The other runs out of money before he turns 88. The only difference is the order in which the returns arrived. In this episode, Paddy breaks down sequence of returns risk in Ireland. The risk that gets far less attention than fund performance or pot size, but can matter more than either. What you'll learn: • Why sequence of returns doesn't matter at all while you're still accumulating • Why the first ten years...
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Enduring Power of Attorney in Ireland With Áine Flynn: Who Can Act If You Can’t?
Informed Decisions Independent Financial Planning & Money Podcast
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. 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. For more information about...
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Should You Reduce Investment Risk Before Retirement?
Informed Decisions Independent Financial Planning & Money Podcast
As you get closer to retirement, move your money to safer investments. It sounds reasonable. But what if that one piece of conventional wisdom could cost you €80,000 or more? In this episode, Paddy unpacks one of the most consequential (and most overlooked) investment decisions you’ll make: whether to reduce investment risk before you retire. For a lot of Irish pension holders, this decision has already been made for them automatically, through something called lifestyling often without their knowledge or consent. Paddy works through the two opposing risks at the heart of the decision:...
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Pension Drawdown Above €2M: The €243,000 Timing Decision (SFT Ireland)
Informed Decisions Independent Financial Planning & Money Podcast
If your pension is approaching or has passed €2 million, the question is no longer just how to grow it, it's how to generate income without handing a significant portion to Revenue unnecessarily. The Standard Fund Threshold in Ireland rose to €2.2 million in January 2026, and the decisions you make in the next few years will determine how much of that headroom you actually use. In this episode, Paddy covers the income strategies that matter most at the SFT level. If your pension is approaching €1.5 million or more, this episode is for you. • Why timing your Benefit Crystallisation...
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Bonds Aren’t Broken. What the 1970s Tell Irish Retirees About Bonds Today
Informed Decisions Independent Financial Planning & Money Podcast
A lot of investors have written off bonds after 2022. In this episode, Paddy Delaney explains why that conclusion is based on a misreading of how bonds work — and what the historical data actually shows. The 10-year US Treasury yield went from under 6% to over 11% during the 1970s. Bonds still returned 5.4% per year. The worst single year was a loss of less than 1%. If bonds survived that rate environment, what does it mean for the environment we are in today? In this episode: - How bond returns are calculated (starting yield and duration) - Why rising interest rates improve your future bond...
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Pension When You Change Jobs in Ireland: The 4 Most Important Decisions for Professionals
Informed Decisions Independent Financial Planning & Money Podcast
“There's a pension somewhere in your name that you haven't looked at in five years.” 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. In this episode, Paddy walks through what he calls the forgotten pension problem: the structural feature of Irish pension administration...
info_outlineIn this week's podcast, Paddy sits down with guest Brendan Allen to unpack the rental market right now, and it is messy. They get into why so many landlords feel stuck between shifting government rules and real world supply shortages, and how that tension can push rents higher even when the aim is tenant security. Brendan also breaks down the practical business case for staying invested long term, why commercial property can suit some investors better than residential, and what you need to check before you jump in. If you have ever thought, surely it cannot be this complicated, bad news: it can. Good news: you can still make smart calls if you do the work.
Key talking points
• Why landlord confusion is rising as regulations change and market rent keeps moving
• Supply shortages as the core issue, especially outside big cities, and how that affects rents
• Commercial vs residential property: returns, maintenance, and what type of investor each suits