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 they need to be

- The real-world cost of sophisticated, structured investment products that underperform

- What a simple, transparent pension and investment structure actually looks like in practice

- The questions worth asking any advisor before trusting them with your retirement assets

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If you've ever had a feeling that your own pension or investment structure is more complicated than it needs to be, this episode is for you.

🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/simplicity-over-sophistication-pension-planning

And a quick word on something new: alongside the podcast, I've started putting together shorter pieces for YouTube: Paddy's Pension Pieces. Each one built around a single question from a fuller episode or a specific topic I’d like to discuss in shorter time . The first is up now, on what a €1 million pension pot in Ireland actually leaves you with after tax: check out our YT Channel to discover :) More to follow.

📊 Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

📅 Find out how we work: https://www.informeddecisions.ie