Informed Decisions Independent Financial Planning & Money Podcast
Episodes
Davy GPS Funds - An Independent Review - Podcast 170
09 Mar 2020
Contributed by Lukas
This week, following a recent conversation (there I go with 'conversations' again!), we share a detailed analysis of the Davy GPS Funds. You may be th...
Retire Successfully, with Derek Bell - Podcast 169
02 Mar 2020
Contributed by Lukas
Welcome back to Ireland's award-winning Financial Planning Blog & Podcast. This week we were excited to chat with return-guest, Derek Bell of the Reti...
Have You Already Reached Financial Independence? Podcast 168
24 Feb 2020
Contributed by Lukas
This piece is inspired by some recent conversations. These conversations have got me thinking about Financial Independence. It also reminded me how mu...
Podcast 167: Life Planning with George Kinder
17 Feb 2020
Contributed by Lukas
What is the relationship between life and your money? Listen to this conversation we had with George Kinder to hear more about Life Planning. For ye...
Podcast 167: Life Planning with George Kinder
17 Feb 2020
Contributed by Lukas
What is the relationship between life and your money? Listen to this conversation we had with George Kinder to hear more about Life Planning. For ye...
Podcast 167: Life Planning with George Kinder
17 Feb 2020
Contributed by Lukas
What is the relationship between life and your money? Listen to this conversation we had with George Kinder to hear more about Life Planning. For ye...
Are Irish Commercial Property Funds In Trouble? Podcast 166
02 Feb 2020
Contributed by Lukas
This week there have been two 'big news' revelations about Irish Commercial Property Funds, neither of which will be deemed positive. This media cover...
Talking Financial Independence with Mrs. Smart Money - Podcast 165
25 Jan 2020
Contributed by Lukas
Many of us hear about Financial Independence, and it being a distant objective. But does it have to be a distant objective?? This week we chat with Ke...
5 Signs That You Need An Independent Financial Advisor - Podcast 164
19 Jan 2020
Contributed by Lukas
As of March 31st 2020 new Central Bank of Ireland rules will mean that only a financial advice firm that does not receive commissions from sales of pr...
Demise of Absolute Return Funds in Ireland - Podcast 163
13 Jan 2020
Contributed by Lukas
A lot of folk, mostly at the encouragement of some advisors, decided to invest in Absolute Return Funds in Ireland. While they promised a lot, many of...
Podcast 162: Markets at My Birth
16 Dec 2019
Contributed by Lukas
Welcome to Ireland's award-winning investment and financial planning Blog & Podcast. As our final Blog of 2019 I have given a lot of thought about wha...
Invest In Equities or Wait For 'The Crash'? Podcast 161
09 Dec 2019
Contributed by Lukas
Welcome to Ireland's award-winning investment and financial planning Blog & Podcast. If you are wondering if now is the right time to invest or not, t...
Podcast 160: Emerging Market Index Funds Ireland
25 Nov 2019
Contributed by Lukas
Emerging Markets might sound a little technical, but please do bare with me, even I can understand it, so you'll be totally fine! It might even be wor...
Podcast 159: Finding Financial Advice in Ireland
18 Nov 2019
Contributed by Lukas
Looking for Financial Advice in Ireland you can trust? A few weeks ago I did a piece on finding 'Independent Advice in Ireland', this week I intend to...
Podcast 158: Building an Investment Portfolio in Ireland
11 Nov 2019
Contributed by Lukas
This week I aim to share some brief insights that might be worth knowing when you are building an investment portfolio in Ireland. When it comes to in...
The Expat Tax Special - With Barry Murphy of Expat Tax Services Ireland. Podcast 157
21 Oct 2019
Contributed by Lukas
Expat Tax is a subject that I often get asked about from listeners. These are individuals that may be leaving or returning to Ireland. Tax being such ...
Podcast 156: The Best Multi-Asset Investment Funds in Ireland
14 Oct 2019
Contributed by Lukas
Ever wondered which is the best multi-asset investment Fund in Ireland?? Well if you have, you came to the right place! Welcome back to Ireland's d...
Personal Finance....Small Changes Big Difference - Podcast 155
07 Oct 2019
Contributed by Lukas
'Mind the pennies and the pounds will look after themselves' is a well-worn saying, the origin of which I have no idea! While it might give the percep...
Podcast154: Advisor Alpha in Ireland
30 Sep 2019
Contributed by Lukas
Ever wonder about Financial Advice in Ireland? Are financial advisors worth their salt? Are financial advisors worth paying? Should I bother getting f...
Podcast153: Nucleus Platform Conference - Manchester!
23 Sep 2019
Contributed by Lukas
I was fortunate enough to get to attend the annual Nucleus Platform Conference in Manchester last week. They had an agenda with some of the most excit...
Podcast152: What is Financial Planning, Really??
16 Sep 2019
Contributed by Lukas
When it comes to Financial Planning in Ireland it is fair to say that it is a pretty new service to many. It seems many of us are aware of the role of...
Podcast151: Small Self Administered Pension Scheme Ireland
09 Sep 2019
Contributed by Lukas
I frequently get asked by listeners and readers about funding into a Self Administered Pension. There seems to be a lot of confusion about what it is,...
Podcast150: Using Annuity and ARF for Pension Income
02 Sep 2019
Contributed by Lukas
Welcome back to Ireland's award-winning Financial Planning Blog & Podcast, with me Paddy Delaney. Delighted you have decided to join me! This week we ...
Podcast149: The Impact of Fees On My Pension ARF
25 Aug 2019
Contributed by Lukas
Welcome to Ireland's award-winning Personal Finance Blog & Podcast. This week we explore a topic which is being asked more and more, what fees are pay...
Podcast148: Effective Retirement Income Strategies
19 Aug 2019
Contributed by Lukas
Welcome to Ireland's #1 Personal Finance Blog and Podcast, with me Paddy Delaney! This week we explore an important topic for many, and that is managi...
Podcast147: How Early Can I Retire?
12 Aug 2019
Contributed by Lukas
Welcome back to the #1 Investment and Retirement Planning Blog & Podcast in Ireland. Of late our focus has been very much around preparing our finance...
Podcast146: Financial Independence with Fin Goulding
29 Jul 2019
Contributed by Lukas
The concept of Financial Independence Retire Early means different things to different people. Friend of the show, Fin Goulding has no shortage of exp...
Podcast145: Making My ARF Last Longer
22 Jul 2019
Contributed by Lukas
If you have, or are soon to have, an Approved Retirement Fund (ARF) you might benefit from the following research. Wondering how to make your ARF last...
Podcast144: The Abraham Okusanya Interview
12 Jul 2019
Contributed by Lukas
Welcome to Informed Decisions Podcast, Ireland's #1 Finance Blog & Podcast. As we continue out focus on managing and optimising pension and retireme...
Podcast143: How Long Will My ARF Last?
08 Jul 2019
Contributed by Lukas
How long will my ARF Income last? This week we continue our analysis of how we can actually go about drawing and maximising our pension and ARF income...
Podcast142: Investing in Bonds in Retirement?
24 Jun 2019
Contributed by Lukas
Investing in Bonds, particularly in retirement (or once we stop working full time!) is the norm. If you are a member of an Occupational Pension scheme...
Podcast141: What You Should Know About ARFs
16 Jun 2019
Contributed by Lukas
Welcome, and thanks for checking out Informed Decisions Blog. Over the past couple of weeks we have focused on managing finances in later life. Last w...
Podcast140: Generating Income In Retirement, Annuity or ARF?
10 Jun 2019
Contributed by Lukas
Should I buy an Annuity or Approved Retirement Fund (ARF)? Unless we are retiring from a defined benefit (DB) pension scheme we will have this decisio...
Podcast139: A Life Changing Sum Of Money
03 Jun 2019
Contributed by Lukas
Welcome back to Informed Decisions with me, Paddy Delaney! A couple of weeks ago I mentioned that the coming 'season' would be focused on how to prepa...
Podcast138: The Spice Girls & 20 Years of Inflation in Ireland
27 May 2019
Contributed by Lukas
Financial Planning in Ireland is on the up. Based on my experience at least, Planning is what people really really want. They may NEED a product to he...
Podcast137: Reducing Inheritance Tax
20 May 2019
Contributed by Lukas
Inheritance tax planning is most certainly a balancing act, is fraught with concerns and challenges, and is one that I see individuals struggling with...
Podcast136: The 5 Common Retirement Planning Mistakes
13 May 2019
Contributed by Lukas
ARFs, AMRFs, AVCs, Annuities all form part of retirement planning, but as usual there's far more to it than products! Welcome back to Informed Decisio...
Podcast135: How To Build A €1m Pension Pot
06 May 2019
Contributed by Lukas
you can enjoy in years to come......so buckle in! Intro: It's been mentioned to me a handful of times that the topics of the Blog tend to be focused o...
Podcast134: Achieving Financial Independence , With Michael Houghton
22 Apr 2019
Contributed by Lukas
Welcome back! Many of us have heard of FIRE (Financial Independence - Retire Early) but not many of us have met many that are actually doing it! In th...
Podcast133: The 'Paddy Delaney' Interview
15 Apr 2019
Contributed by Lukas
Hi, and welcome to Ireland's #1 Finance Blog & Podcast. This is a first for Informed Decisions, and this week you get to hear it! We recently got to k...
Podcast132: The Impact Of Recency Bias In Investing
08 Apr 2019
Contributed by Lukas
This week I share a short (but hopefully valuable) piece to raise awareness of something that impacts us all and how we make decisions, and often with...
Podcast132: The Impact Of Recency Bias In Investing
08 Apr 2019
Contributed by Lukas
This week I share a short (but hopefully valuable) piece to raise awareness of something that impacts us all and how we make decisions, and often with...
Podcast132: The Impact Of Recency Bias In Investing
08 Apr 2019
Contributed by Lukas
This week I share a short (but hopefully valuable) piece to raise awareness of something that impacts us all and how we make decisions, and often with...
Podcast131: Diversify Vs Asset Allocation...The Numbers
01 Apr 2019
Contributed by Lukas
This week we are going to explore two concepts, 'Diversification' and 'Asset Allocation' which can have significant impact on investment success over ...
Podcast130: Best Way To Invest €500,000....Kinda!
25 Mar 2019
Contributed by Lukas
If I come across another 'Best Investments For 2019' or 'Best place to invest €100,000' article I will lose the plot. Reason being that, just like t...
Podcast129: Why We Are Rubbish At Investing
18 Mar 2019
Contributed by Lukas
Investors are said to achieve far less in returns than the markets in which they invest. How is that possible you may ask? Typically it is down to inv...
Podcast128: Retirement Relief in Ireland (The Outhouse Version)
11 Mar 2019
Contributed by Lukas
Welcome back! 'Relief' is an interesting word. If we were to tell someone that we are going to 'relieve myself' it can strike up all sorts of suggesti...
Episode127: What If My Pension Fund Doesn't Perform?
04 Mar 2019
Contributed by Lukas
Hope all is well?! Last week we shared some ideas on the best way to accumulate €1m, and whether a deposit regular savings account or a pension rout...
Podcast126: How to Save €1m In A Pension Or Savings Account
25 Feb 2019
Contributed by Lukas
Should I invest in a pension or save money in a bank account!? Last week I shared some ideas about the value (or potential lack thereof) in having a p...
Podcast125: Why Most Pensions Are A Waste Of Time, Unfortunately
18 Feb 2019
Contributed by Lukas
The title of this piece may seem overly alarmist, however it is my firm belief that most pensions that people here in Ireland have are really ineffect...
Podcast124: What Should I Do WIth An Inheritance
11 Feb 2019
Contributed by Lukas
'What should I do with an inheritance' and 'How should I invest an inheritance' are questions we might never hope to need to consider but many are for...
Podcast123: Fancy Annual Declines Of 13.9%??
03 Feb 2019
Contributed by Lukas
Welcome back to the new home of Personal Finance in Ireland, where we share insights which we hope help you to avoid mistakes and achieve the results ...
Podcast122: Defined Benefit Scheme - Should I Take A Transfer From A DB Scheme?
27 Jan 2019
Contributed by Lukas
Welcome to Informed Decisions, Ireland's #1 Personal Finance Blog & Podcast! Hope you managed to catch last weeks' Podcast with Andy Agathangelou, al...
Podcast121: The Transparency Task Force with Andy Agathangelou
21 Jan 2019
Contributed by Lukas
Hi and welcome to Ireland's dedicated Financial Planning and Personal Finance Podcast. We are on a mission to share ideas and unbiased insights that m...
Podcast120: Should I Invest Now Or Wait For A Crash?
14 Jan 2019
Contributed by Lukas
Hey there and welcome back to Ireland's #1 personal finance blog. This week we are exploring what is quite a common challenge for people, the decision...
Podcast119: Where To Get Financial Advice In Ireland?
06 Jan 2019
Contributed by Lukas
Hey there, it's great to be back after a few weeks of rest over the Christmas, it was probably good for all of us to have a break from listening to me...
Podcast118: A UK Perspective.....with Rory Percival
16 Dec 2018
Contributed by Lukas
Welcome back to Ireland's award-winning & independent Financial Planning blog and podcast. We are on a mission to share ideas and educate people to av...
Podcast117: A Wolf In Sheep-Clothing.....You've Been Warned!
10 Dec 2018
Contributed by Lukas
Welcome back to Ireland's independent & award winning Financial Planning Blog & Podcast. We don't claim to be perfect but we have been creating and sh...
Podcast117: A Wolf In Sheep-Clothing.....You've Been Warned!
10 Dec 2018
Contributed by Lukas
Welcome back to Ireland's independent & award winning Financial Planning Blog & Podcast. We don't claim to be perfect but we have been creating and sh...
Podcast116: What Is Entrepreneur Relief & Is It Any Use To Me??
03 Dec 2018
Contributed by Lukas
Welcome back to Ireland's award winning & independent financial planning blog & podcast, where we are on a mission to share ideas and information that...
Podcast115: Congregation 2018 - Beware The Lizard Brain
26 Nov 2018
Contributed by Lukas
Welcome back to Ireland's award-winning Finance Blog where we are on a mission to share ideas that will have a lasting and positive impact for you. Th...
Podcast114: Should I Join My Employers Company Pension Scheme?
19 Nov 2018
Contributed by Lukas
It was in conversation with a friend recently, who has just started working for a new company, that I was asked if I believed it makes any sense to jo...
Podcast113: Managing Sequence Risk...(Trying To!)
12 Nov 2018
Contributed by Lukas
BlackRock Investment Managers conduct an annual piece of research (in the US) of around 30,000 individuals and get their sentiment and preparation for...
Podcast112: Sequence Risk....The Silent Retirement-Income Killer
03 Nov 2018
Contributed by Lukas
We are not talking about death here today, but we will be looking at a thing called Sequence Risk which in my book is one of the most unknown and unde...
Podcast111: The Derek Bell Interview - How To Retire Well!
29 Oct 2018
Contributed by Lukas
Welcome to Ireland's only dedicated and straight-talking Personal Finance & Financial Planning Podcast. Delighted you have decided to have a look at t...
Podcast110: How To Procrastinate Later.........
22 Oct 2018
Contributed by Lukas
'I'm not a procrastinator, I just prefer doing everything in a dead-line induced panic!'......Honest words shared with me by an acquaintance recently....
Podcast109: The Real Impact Of Budget 2019 (Budgety McBudget-Face)
15 Oct 2018
Contributed by Lukas
In 2016 The Natural Environment Research Council in the UK invited the public to name their latest scientific research vessel, which was costing £200...
Podcast 108: When Investing 'Risk Questionnaires' Are Dangerous
08 Oct 2018
Contributed by Lukas
If you have ever invested money in a fund or collective fund with a 3rd party, either through a pension or through an investment structure (product or...
Podcast107: The State Pension....Are You Swimming In The Nip!?
01 Oct 2018
Contributed by Lukas
Are you swimming in the nip dear reader? This week we share some ideas with you about a what the State Pension looks like currently, how much we might...
Podcast106: Is Investing in EII Scheme A Viable Option For Me?
24 Sep 2018
Contributed by Lukas
This week we are finally getting round to a topic that has been on 'the list' for quite a while. One of the main benefits of pensions that 'the indust...
Podcast105: A Huge Tax Saving On Investments - A Tale Of 2 Cities
16 Sep 2018
Contributed by Lukas
Charles Dickens' novel about Dr. Manette, his 18 year incarceration in Paris and subsequent relocation to London to spend time with his daughter Lucie...
Podcast104: An American Perspective....With Eric Brotman
10 Sep 2018
Contributed by Lukas
Welcome to Ireland's only dedicated and straight-talking Personal Finance & Financial Planning Blog. We are on a mission to make a positive difference...
Podcast103: Real Returns: Invest in Low Cost Funds Or A Pension
03 Sep 2018
Contributed by Lukas
This week we are hoping to answer several questions we have had from listeners in the past 6 weeks or so. It has been put to me that it would be valua...
Podcast102: The 4% Rule In Ireland....
27 Aug 2018
Contributed by Lukas
This week we are taking a closer look at the fabled '4% Rule' relating to drawing-down on investment or retirement pots. This particular 'rule' gets p...
Podcast101: Using Trusts In Your Financial Planning
16 Aug 2018
Contributed by Lukas
We have recently been asked to share ideas on how an individual (or couple) can ensure their investments/estate/assets are properly distributed and ma...
Podcast100: The Guy Spier Interview
13 Aug 2018
Contributed by Lukas
Welcome to Ireland's only dedicated Financial Planning & Investing Podcast & Blog. We are on a mission to do things differently and to actually help p...
Podcast99: When Simplicity Rewards Investors
06 Aug 2018
Contributed by Lukas
In a meeting last week I was asked why my philosophy toward successful long term investing was so simplistic and boring. I was delighted! For context ...
Podcast98: Can A Couple Retire In Ireland With €1million?
30 Jul 2018
Contributed by Lukas
As a young boy growing up many years ago a million euros (or pounds as it was!) always sounded like an inexorably large amount of money. If you had ...
Podcast97: The Mexican Fisherman........
23 Jul 2018
Contributed by Lukas
Welcome to Ireland's only dedicated Financial Planning & Personal Finance Blog & Podcast. Last year we won the award of 'Ireland's Best Finance Blog'....
Podcast96: Planning for company directors in Ireland....Party-Time!
16 Jul 2018
Contributed by Lukas
Welcome back to Ireland's award winning Finance Blog & Podcast. Delighted you have joined us! Our mission is to help people avoid mistakes and help th...
Podcast95: The 3 Characteristics Which Suggest You Should Not Invest In Equities....
08 Jul 2018
Contributed by Lukas
There was a large scale research study done by Gallup Consulting Group (a hugely credible global research company) this year which shows that the majo...
Podcast94: Growth Or Value Investing, Which Is Best??
02 Jul 2018
Contributed by Lukas
Growth and Value Investing are both around a long time as an 'investment strategy', and there are compelling rationale for investing in either, there ...
Podcast93: The Bid That Could Change Your Life....!
25 Jun 2018
Contributed by Lukas
Nobody likes to be suffering from something that they aren't aware of, particularly if it is a nasty and invasive something that has a long term impac...
Podcast92: Develping A Career in Financial Services....with Hugh Murray
16 Jun 2018
Contributed by Lukas
Thanks for joining us here on Ireland's only dedicated Financial Planning Podcast & Blog. We are on a mission to help you get what you want, and to he...
Podcast91: The Emmet Savage Conversation.....
11 Jun 2018
Contributed by Lukas
Welcome to Ireland's dedicated investing and Financial Planning Podcast & Blog. We are on a mission to enable our listeners to help themselves to a be...
Podcast90: Should I Own Bonds? A 3-Portfolio Study
04 Jun 2018
Contributed by Lukas
For decades Bonds have been touted as the elixir to an investors' nervous tendencies when investments hit volatility. If you look hard enough it will ...
Podcast89: Financial Planning With The End In Mind
28 May 2018
Contributed by Lukas
If we were to take a close and honest look at it very many of us, I'm guessing, would admit that we have not given much if any consideration to where ...
Podcast88: My Worst Investment Ever....And What We Can Learn!
20 May 2018
Contributed by Lukas
This week in Ireland's dedicated Financial Planning & Personal Finance Blog & Podcast we take a look at what has been my worst investment ever, but al...
Podcast87: Just Start......
13 May 2018
Contributed by Lukas
This week we are trying to share a simple message, an appeal to you, one which we hope will help move things forward for you in a positive direction. ...
Podcast86: Small Cap Investing...When Small Is Big
07 May 2018
Contributed by Lukas
Welcome back to Informed Decisions, Ireland's only dedicated Financial Planning Blog & Podcast. Hope you are winning! When it comes to investing in Ir...
Podcast85: The 4 Big Pitfalls When Buying A Home
30 Apr 2018
Contributed by Lukas
We don't ever go out of our way to be pessimistic on this blog, in fact we tend to be quite the opposite, having a firm belief that optimism is the o...
Podcast84: Should I Buy Gold?
22 Apr 2018
Contributed by Lukas
"Gold gets dug out of the ground in Africa or someplace. Then we melt it down, dig another hole, bury it again and pay people to stand around and guar...
Podcast83: Peer 2 Peer Lending....What You Should Know
13 Apr 2018
Contributed by Lukas
Welcome back to Ireland's dedicated Financial Planning Podcast & Blog. We have had a lot of enquiries about Peer 2 Peer Lending over the past few mont...
Podcast 82: A Last Resort......Section 72
08 Apr 2018
Contributed by Lukas
In Blog 61 we mentioned Section 72 plans and said the following....These are creations of the Financial Services industry endorsed by the Revenue and ...
Podcast81: Optimism Is The Way.......Sunday Times Article April Fool's Day!
02 Apr 2018
Contributed by Lukas
Optimism is the madness of insisting all is well when we are miserable. These words are reported to have come from Voltaire, the acclaimed French w...
Podcast80: Humans Under Management with Andy Hart
22 Mar 2018
Contributed by Lukas
Andy Hart is one of the UK's highest profile Financial Planners. He hosts his own Podcast, runs a successful Financial Planning firm, and is the organ...
Podcast79: Saving For A Deposit Over 5 Years.....
19 Mar 2018
Contributed by Lukas
Recently we had a few questions from people who were saving for deposits for their first homes. This week we had another, from Daniel (surname not sha...
Podcast78: Feedback & Presents
12 Mar 2018
Contributed by Lukas
Regular readers of the Blog and listeners of the Podcast will know that we are on somewhat of a vocation here at Informed Decisions! We are striving ...
Podcast77: Losing Power With Deposit Accounts
04 Mar 2018
Contributed by Lukas
It is fierce common lately to hear the financial industry give out about the rates of interest available through bank deposit accounts and to recommen...
Evidence Based Investing .....with Robin Powell
20 Feb 2018
Contributed by Lukas
This week we get to chat with a guy who is making quite a name for himself. He is advocating for greater investor education, in particular with regard...