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Will Your Pension be enough?
Tell us about your pension, savings and lifestyle goals and we'll model your projected retirement income against what you actually want to spend. Our Retirement Readiness Scorecard will tell you where you stand in just 10 minutes. With full Irish Tax built in.
informed decisions Podcast
Generating Income Around the Standard Fund Threshold
June 15, 2026
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 Events can shelter up to €500,000 from Chargeable Excess Tax
• How the lump sum offset mechanism reduces your CET exposure — and what the effective SFT really is in 2026
• What the imputed distribution rules mean when your ARF exceeds €2 million
• How to manage income through the standard rate tax band efficiently
• Why spousal pension planning is one of the most underused strategies at this level
📊 Find out how we work and have a look at our Retirement Readiness Scorecard: https://www.informeddecisions.ie
📖 Read the full blog: www.informeddecisions.ie/post/generating-income-standard-fund-threshold-ireland
ABOUT THE SHOW
The Informed Decisions podcast is hosted by Paddy Delaney QFA RPA APA — independent, fee-only retirement planner in Ireland. The podcast and the blog at informeddecisions.ie are educational resources for Irish professionals, business owners, and high-net-worth individuals navigating retirement, tax efficiency, and investment strategy.
Disclaimer
The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.
The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share
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