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.