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Category Archives: My Investment Planning

Podcast139: A Life Changing Sum Of Money

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 prepare for and importantly, navigate our incomes in retirement. It's not that I am breaking a promise but this week I want to take a very slight diversion from that,...

Blog113: A Life-Changing Sum Of Money

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 prepare for and importantly, navigate our incomes in retirement. It's not that I am breaking a promise but this week I want to take a very slight diversion from that,...

Podcast137: Reducing Inheritance Tax

Inheritance tax planning is most certainly a balancing act, is fraught with concerns and challenges, and is one that I see individuals struggling with quite often. When you die you may want your estate to pass to your children or other loved-ones but them having to potentially pay a significant % of the estate in...

Podcast135: How To Build A €1m Pension Pot

It's been mentioned to me a handful of times that the topics of the Blog tend to be focused on the 'upper end' of things, and that for most 'ordinary people' the figures I talk about here are out of reach. To be fair the figures I sometimes talk about are aspirational, I get that....

Podcast132: The Impact Of Recency Bias In Investing

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 without us even being aware of it! What Are Biases? If you were shown a photo of 2 different people, based on their appearance, dress, facial expression, ethnicity, and any number...

Blog108: Beware This Killer Bias

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 without us even being aware of it! What Are Biases? If you were shown a photo of 2 different people, based on their appearance,...

Podcast131: Diversify Vs Asset Allocation…The Numbers

This week we are going to explore two concepts, 'Diversification' and 'Asset Allocation' which can have significant impact on investment success over the long term, and which are shrouded in mystery and often misunderstood. We are going to tell it like it is, share some insights which may surprise you, and give you some food...

Blog 106: The Best Way To Invest €500,000??

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 the title of this blog, these articles really are just another form of click-bait. As we all will know, even if we didn't, click-bait is merely a hook with...

Podcast130: Best Way To Invest €500,000….Kinda!

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 the title of this blog, these articles really are just another form of click-bait. As we all will know, even if we didn't, click-bait is merely a hook with...

Podcast129: Why We Are Rubbish At Investing

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 investor behaviour. Investors get blamed for doing silly things when it comes to investing, however my take is that it is the financial professionals who must shoulder...

Blog105: Why We Are Rubbish At Investing

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 investor behaviour. Investors get blamed for doing silly things when it comes to investing, however my take is that it is the financial professionals who must shoulder...

Episode127: What If My Pension Fund Doesn’t Perform?

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 route might be the most effective way of doing it. We analysed these two routes and factored in deposit rates, pension fund returns, fees and charges and various...

Blog103: What If My Funds Don’t Perform….?

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 route might be the most effective way of doing it. We analysed these two routes and factored in deposit rates, pension fund returns, fees and charges and various...

Blog100: What To Do With An Inheritance?

'What should I do with an inheritance' or 'How to invest an inheritance' are questions we might never hope to need to consider but many are forced to answer every year here in Ireland. This week in Ireland's award-winning and unbiased finance Blog & Podcast I hope share some insights which might be of value...

Podcast124: What Should I Do With An Inheritance

'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 forced to consider these every year here in Ireland. This week in Ireland's award-winning and unbiased personal finance blog I hope share some insights which might be of value...

Podcast123: Fancy Annual Declines Of 13.9%??

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 you seek. All we ask in return for sharing these ideas is to tell a friend, and use the ideas with the intention in which they are shared,...

Podcast121: The Transparency Task Force with Andy Agathangelou

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 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...

Blog97: Should I Invest Now Or Wait For A Crash?

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 decisions about investing a lump sum now or waiting for markets to fall or crash. Funnily this is not usually a challenge for would-be investors when markets are calm and...

Podcast120: Should I Invest Now Or Wait For A Crash?

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 decisions about investing a lump sum now or waiting for markets to fall or crash. Funnily this is not usually a challenge for would-be investors when markets are calm and...

Blog95: A Wolf In Sheep-Clothing

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 sharing ideas here on the podcast for the past 2 years and are on a mission to help people of Ireland (& beyond!) to make decisions which benefit them in...

Podcast116: What Is Entrepreneur Relief & Is It Any Use To Me??

Welcome back to Ireland's award winning & independent financial planning blog & podcast, where we are on a mission to share ideas and information that hopefully helps you make decisions that delivers long term results for you. Thanks for the lovely reaction to last weeks' episode, I certainly enjoyed sharing the story! This weeks' topic...

Blog92: Should I Join My Company’s Pension Scheme?

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 join a pension scheme offered by an employer. He was told that if he put 4% of gross salary into his pension that the employer would...

Podcast113: Managing Sequence Risk

BlackRock Investment Managers conduct an annual piece of research (in the US) of around 30,000 individuals and get their sentiment and preparation for retirement. Obviously it is heavily slanted to the financial. One of the surprising things, for me at least, was that the #1 concern for the majority of respondents was not health or...

Blog91: Ways To Beat Sequence-Risk….Possibly!

BlackRock Investment Managers conduct an annual piece of research (in the US) of around 30,000 individuals and get their sentiment and preparation for retirement. Obviously it is heavily slanted to the financial. One of the surprising things, for me at least, was that the #1 concern for the majority of respondents was not health or...

Podcast109: The Real Impact Of Budget 2019 (Budgety McBudget-Face)

In 2016 The Natural Environment Research Council in the UK invited the public to name their latest scientific research vessel, which was costing £200m. This vessel was going to be doing (and currently is doing) really insightful and exploratory work, making new discoveries and so on. Really important, noble and global research for the good...

Blog87: Why ‘Risk Questionnaires’ Are Dangerous….

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 platform) you will most likely have already completed a 'Risk Questionnaire' or 'Risk Survey'. It may have formed part of the bigger conversation about your investment goals, or...

Blog85: Is Investing in EII A Viable Option?

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 industry' of financial services harks on about a lot is the tax relief that is available on contributions, and that is certainly true. Having said that...

Podcast102: The 4% Rule In Ireland….

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 plenty of airtime in the US, UK and many other countries but from my own experience very few investors, pension holders here in Ireland seem to have heard of (and...

Blog 83: The 4% Rule

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 plenty of airtime in the US, UK and many other countries but from my own experience very few people here in Ireland seem to have heard of (even many advisors!)....

Podcast100: The Guy Spier Interview

Welcome to Ireland's only dedicated Financial Planning & Investing Podcast & Blog. We are on a mission to do things differently and to actually help people make decisions that help them achieve the results (& life!) that they want to achieve. This week we have a rather special guest, Mr. Guy Spier. Guy is the fonder...

Blog82: When Simplicity Rewards Investors Handsomely……

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 the people I was working with had understood me to have been in the financial planning profession for 13 years (correct) and that I was a 'finance expert' (marginally...

Podcast99: When Simplicity Rewards Investors

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 the people I was working with had understood me to have been in the financial planning profession for 13 years (correct) and that I was a 'finance expert' (marginally...

Blog81: Can A Couple Retire With €1m Pension Pot?

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 €1m you were officially a millionaire and were in our eyes elevated to a stratospheric status.......The same can't be said anymore though! While it no doubt...

Podcast94: Growth Or Value Investing, Which Is Best??

Growth and Value Investing are both around a long time as an 'investment strategy', and there are compelling rationale for investing in either, there are many fans of both, yet there is also quite a lot of regular investors that have no real familiarity with either. We aim to fix that even if ever-so-slightly in...

Podcast93: The Bid That Could Change Your Life….!

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 impact on their well-being, & that could do so in a pretty significant way.......so this week we are going to explore and try to diagnose if anyone here is...

Blog76: A Bid That Could Change Your Life…..!

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 impact on their well-being, & that could do so in a pretty significant way.......so this week we are going to explore and try to diagnose if anyone here is...

Podcast91: The Emmet Savage Conversation…..

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 better financial life. Thanks for checking us out! It is not every week we get to chat to one of the most successful investors of recent times, who has also founded...

Podcast90: Should I Own Bonds? A 3-Portfolio Study

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 become clear that the only rationale for having Bonds in your investment portfolio is to help you cope when the market tanks again. Whether it is an existing pension fund...

Blog75: Should I Own Bonds Now?

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 become clear that the only rationale for having Bonds in your investment portfolio is to help you cope when the market tanks again. Whether it is an existing pension fund...

Blog74: Beginning With The End In Mind……

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 our journey in life might take us, or indeed where we WANT it to take us. For some reason we don't accept the fact...

Blog73: My Biggest Investment Lesson, So Far!

It is Blog 73, and it is my very first Blog as a self employed individual! In the 2 years that I have been writing and creating this content, this is the fist one that I am actually doing during the day on a Monday to Friday. It is the first time not writing either...

Blog71: Just Start…..Please!

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. When we procrastinate about or delay committing to positive action we will always manage to rationalise it in our own heads, always! We are masters at...

Podcast87: Just Start……

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. When we procrastinate about or delay committing to positive action we will always manage to rationalise it in our own heads, always! We are masters at...

Podcast86: Small Cap Investing…When Small Is Big

Welcome back to Informed Decisions, Ireland's only dedicated Financial Planning Blog & Podcast. Hope you are winning! When it comes to investing in Ireland there are many folks that have no interest in what they are investing in, provided it makes them a decent return and it doesn't disappear over-night! Others like to take a closer...

Blog 70: Small Cap Investing…….When Small Is Big!

Welcome back to Informed Decisions, Ireland's only dedicated Financial Planning Blog & Podcast. Hope you are winning! When it comes to investing there are many folks that have no interest in what they are investing in, provided it makes them a decent return and it doesn't disappear over-night! Others like to take a closer look at...

Podcast84: Should I Buy Gold?

"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 guard it. It has no utility. Anyone watching from Mars would be scratching their head" Those remarks about the logic of owning gold as an investment were...

Blog69: Should I Invest In Gold

"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 guard it. It has no utility. Anyone watching from Mars would be scratching their head" Those remarks about the logic of owning gold as an investment were...

Podcast83: Peer 2 Peer Lending….What You Should Know

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 months, so we thought what better way to find out the detail than to interview a man that has been involved in it for many years. Oli Cavanagh is co-founder...

Podcast81: Optimism Is The Way…….Sunday Times Article

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 writer and philosopher. I am neither a Frenchman or a philosopher but I would like to put forward the suggestion that Optimism is actually the only way! When backed by concrete...

Podcast80: Humans Under Management…..with Andy Hart

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 organiser of the what is rapidly becoming UK's premier Financial Advisor & Planner Conference (Humans Under Management). And to top it all off he has invited me to share some...

Podcast77: Losing Power With Deposit Accounts

It is fierce common lately to hear the financial industry give out about the rates of interest available through bank deposit accounts and to recommend that you should invest your money into XYZ Fund (which just so happens to generate a nice chunky commission for whoever is doing the recommending!). It's funny, they weren't saying...

Blog64- The Risk Of Deposit Accounts….Losing Power

It is fierce common lately to hear the financial industry give out about the rates of interest available through bank deposit accounts and to recommend that you should invest your money into XYZ Fund (which just so happens to generate a nice chunky commission for whoever is doing the recommending!). It's funny, they weren't saying...

Podcast76: Evidence Based Investing…..with Robin Powell

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 regards to the long-running debate on the value of Active Fund Management versus Passive or Index investing. This is the latest episode in Ireland's only dedicated Financial Planning &...

Blog62- What Should I Do With A Salary Raise?!

According to Central Statistics Office the average salary in Ireland (2016) of a full-time employee was a 'grocery-shop' more than €45,000. Knowing that figure might make you feel that you're doing well or it might make you feel like making progress on the income you are bringing in. In reality this is the main thing...

Podcast73: What Should I Do With A Raise?

According to Central Statistics Office the average salary in Ireland (2016) of a full-time employee was a 'grocery-shop' more than €45,000. Knowing that figure might make you feel that you're doing well or it might make you feel like making progress on the income you are bringing in. In reality this is the main thing...

Podcast70: Should I Invest in Commodities…..Moooooo!

Oxford dictionary define a commodity as 'A useful or valuable thing'. Another definition they put out there is 'A raw material or primary agricultural product that can be bought and sold, such as copper or coffee'. Whichever way you look at it, be that a useful and valuable thing, or indeed a basic product, Commodities...

Podcast #66: Financial Well-Being with Jason Butler…

Welcome to another episode of Ireland's #1 Financial Planning Blog & Podcast. This week we have a cracking interview with UK's Jason Butler, where we discover some tips and guidance on achieving financial well-being, getting our lives the way we want them to be. Jason has super insight on this aspect of life, and is now living...

Blog #54- The 5 Simple Things…..(I Promise!)

Welcome to Ireland's #1 Finance Blog & Podcast. Our purpose is to help you make informed decisions with your money, and importantly to avoid some costly mistakes that they rest of us have made! We are aiming to make this THE home of Financial Planning information and insight for normal people here in Ireland! This...

Podcast #64: The 5 Simple Things….(I Promise!)

Welcome to Ireland's #1 Financial Planning Blog & Podcast. Our purpose is to help you make informed decisions with your money, and importantly to avoid some costly mistakes that they rest of us have made! We are aiming to make this THE home of Financial Planning ideas and insight for normal people in Ireland!   This...