# Informed Decisions: Ireland's Independent Retirement Planning Podcast A podcast by Paddy Delaney, QFA RPA APA | Independent Retirement Planner, Ireland. Informed Decisions is Ireland's award-winning podcast on pensions, retirement planning and financial planning, hosted by Paddy Delaney. Paddy, founder of Informed Decisions, is one of a small number of retirement planners in Ireland who work on a genuinely fee-only basis: no commission from any product provider, no products sold, and nobody but the client paying for the advice. If you are within ten years of retiring and you have built up a substantial pension, the difficult part is no longer saving. It is knowing what to do with what you have. An awful lot of people arrive at that point with a fund value and no strategy, and no clear sense of whose advice is actually on their side. That is what this show is for. Every week, Paddy works through the decisions that really make a difference: current issues in the world of finance that affect your pension in Ireland and fundamental questions that every Irish person should ask themselves when planning their retirement, f.e.: • How much income a pension can realistically sustain in retirement, and for how long • ARF or annuity: what each one actually costs you over twenty years of drawdown • Why the default fund your pension has… Feed: https://rss.libsyn.com/shows/85854/destinations/414202.xml ## Latest episodes - [Up to 50% Tax Relief. What's the Catch?](https://invisiblenetwork.ai/podcast/1150625286/cef42341f070) (2026-10-26, 25 min): audio https://traffic.libsyn.com/secure/informeddecisions/Up_to_50_Tax_Relief._Whats_the_catch_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Should You Buy Bonds Now? Irish Investors and 5% Yields](https://invisiblenetwork.ai/podcast/1150625286/1da22142014a) (2026-10-19, 21 min): audio https://traffic.libsyn.com/secure/informeddecisions/should_you_buy_bonds_now__informed_decisions_Podcast.mp3?dest-id=414202 - [US Estate Tax in Ireland: The $60,000 Line on Your US Shares](https://invisiblenetwork.ai/podcast/1150625286/946e84a4c862) (2026-10-12, 23 min): audio https://traffic.libsyn.com/secure/informeddecisions/US_Estate_Tax_in_Ireland_The_60000_Line_on_Your_US_Shares_on_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Budget 2027 Ireland: The €50,000 Tax-Free Investment Account](https://invisiblenetwork.ai/podcast/1150625286/8e2d1a031fde) (2026-10-07, 24 min): audio https://traffic.libsyn.com/secure/informeddecisions/Budget_2027_Special_Podcast_Informed_Decisions.mp3?dest-id=414202 - [Before You Retire in Ireland: 5 Decisions You Can't Undo](https://invisiblenetwork.ai/podcast/1150625286/6558698ac440) (2026-09-28, 26 min): audio https://traffic.libsyn.com/secure/informeddecisions/The_decisions_you_cant_undo_-_informed_decisions_podcast.mp3?dest-id=414202 - [Trust in Financial Advice: Why Ireland Scores 49 Out of 100](https://invisiblenetwork.ai/podcast/1150625286/b6b19210f9b7) (2026-09-21, 20 min): audio https://traffic.libsyn.com/secure/informeddecisions/Trust_in_Irish_Financial_Advice_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Prize Bonds Ireland: What the New 1.5% Rate Actually Pays You](https://invisiblenetwork.ai/podcast/1150625286/d883fca25d79) (2026-09-14, 23 min): audio https://traffic.libsyn.com/secure/informeddecisions/Podcast_Prize_Bonds.mp3?dest-id=414202 - [Inheritance Tax in Ireland: Gift Now or Leave It? - with Mairéad Hennessy from Taxkey.ie](https://invisiblenetwork.ai/podcast/1150625286/53a615b8e068) (2026-09-07, 45 min): audio https://traffic.libsyn.com/secure/informeddecisions/Inheritance_Tax_in_Ireland_-_Should_You_Gift_Now_or_Leave_It_Until_the_End_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Should You Retire at a Market All-Time High? Sequence Risk & the Irish ARF](https://invisiblenetwork.ai/podcast/1150625286/23331480d82f) (2026-08-31, 25 min): audio https://traffic.libsyn.com/secure/informeddecisions/358_-_Retiring_at_all_time_highs_-_Informed_Decisions.mp3?dest-id=414202 - [Planning to 95: Life Expectancy, the Irish ARF and the Real Retirement Lever](https://invisiblenetwork.ai/podcast/1150625286/a8dc9b2c3454) (2026-08-24, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/How_Long_Should_Your_Retirement_Plan_Last__podcast__informed_decisions.mp3?dest-id=414202 - [72% - One Country: Is Your Irish Pension Actually Diversified?](https://invisiblenetwork.ai/podcast/1150625286/c9c83080299d) (2026-08-17, 32 min): audio https://traffic.libsyn.com/secure/informeddecisions/Mid_Year_Markets-_globally_diversified_-__Informed_Decisions_Podcast.mp3?dest-id=414202 - [Should You Take Your Pension Lump Sum at 60? A Worked Irish Case Study](https://invisiblenetwork.ai/podcast/1150625286/ecd7697d83fc) (2026-08-10, 23 min): audio https://traffic.libsyn.com/secure/informeddecisions/Tax_Free_Lump_Sum_at_60_or_wait_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Private Credit in Ireland: Can You Actually Get Your Money Out?](https://invisiblenetwork.ai/podcast/1150625286/a4a2f1c9404f) (2026-08-03, 26 min): audio https://traffic.libsyn.com/secure/informeddecisions/382_-_Zombie_Funds_The_Private_Credit_Pitch_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Bucket vs. Total Return - Retirement Withdrawal Strategies for Investors in Ireland](https://invisiblenetwork.ai/podcast/1150625286/4902a4d8e626) (2026-07-27, 29 min): audio https://traffic.libsyn.com/secure/informeddecisions/380_Managing_Drawdown_Risk_-_Bucket_vs._Total_Return_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton](https://invisiblenetwork.ai/podcast/1150625286/5fb09747ebda) (2026-07-20, 36 min): audio https://traffic.libsyn.com/secure/informeddecisions/379_Strategic_Philanthropy_-_Interview_with_Denise_Charlton._Informed_Decisions_Podcast.mp3?dest-id=414202 - [Simplicity Is The Ultimate Sophistication (Replay)](https://invisiblenetwork.ai/podcast/1150625286/0fff433fa772) (2026-07-13, 15 min): audio https://traffic.libsyn.com/secure/informeddecisions/Simplicity_Over_Sophistication_Replay_-_378_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Sequence of Returns Risk: Same ARF. Same Return. Totally Different Outcome](https://invisiblenetwork.ai/podcast/1150625286/eee23deee275) (2026-07-06, 33 min): audio https://traffic.libsyn.com/secure/informeddecisions/Sequence_of_Returns_Risk_-_Episode_377_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Enduring Power of Attorney in Ireland With Áine Flynn: Who Can Act If You Can't?](https://invisiblenetwork.ai/podcast/1150625286/714310efe884) (2026-06-29, 32 min): audio https://traffic.libsyn.com/secure/informeddecisions/376_Do_you_have_an_Enduring_Power_of_Attorney_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Should You Reduce Investment Risk Before Retirement?](https://invisiblenetwork.ai/podcast/1150625286/c6691092ec3b) (2026-06-22, 33 min): audio https://traffic.libsyn.com/secure/informeddecisions/375_-_Reduce_Investment_Risk_Before_Retirement_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Pension Drawdown Above €2M: The €243,000 Timing Decision (SFT Ireland)](https://invisiblenetwork.ai/podcast/1150625286/e5250180eabb) (2026-06-15, 42 min): audio https://traffic.libsyn.com/secure/informeddecisions/374_-_Keep_More_Pay_Less_-_2M_Pension_-_SFT_Ireland_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Bonds Aren't Broken. What the 1970s Tell Irish Retirees About Bonds Today](https://invisiblenetwork.ai/podcast/1150625286/68a4d16aa100) (2026-06-08, 28 min): audio https://traffic.libsyn.com/secure/informeddecisions/Are_Bonds_Broken_-_373_Podcast_Episode_-_Informed_Decisions.mp3?dest-id=414202 - [Pension When You Change Jobs in Ireland: The 4 Most Important Decisions for Professionals](https://invisiblenetwork.ai/podcast/1150625286/f078c4bad5bb) (2026-06-01, 37 min): audio https://traffic.libsyn.com/secure/informeddecisions/Podcast_Informed_Decisions_-_Episode_372_-_What_happens_to_your_Job_when_you_change_your_Job.mp3?dest-id=414202 - [PRSA vs Company Pension in Ireland: Which Is Right for You?](https://invisiblenetwork.ai/podcast/1150625286/1247aba70f70) (2026-05-25, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/Episode_371_-_PRSA_vs_Master_Trust_-_Informed_Decisions_Podcast.mp3?dest-id=414202 - [Risk and Reward in Retirement: What Ben Carlson's Research Means for Irish Investors - Interview](https://invisiblenetwork.ai/podcast/1150625286/480708d3cc84) (2026-05-18, 44 min): audio https://traffic.libsyn.com/secure/informeddecisions/Risk_and_Reward_-_Interview_with_Ben_Carlson_-_informed_decisions_Podcast.mp3?dest-id=414202 - [The Most Consistently Underclaimed Tax Break for Irish High Earners - Pension Tax Relief Explained](https://invisiblenetwork.ai/podcast/1150625286/e22b75499daa) (2026-05-11, 32 min): audio https://traffic.libsyn.com/secure/informeddecisions/Podcast_Episode_369_-_Pension_Tax_Relief_Ireland_High_Earners.mp3?dest-id=414202 - [Is your ARF built to last? - Safe Withdrawal Strategies](https://invisiblenetwork.ai/podcast/1150625286/2a9f4cff8df0) (2026-05-04, 24 min): audio https://traffic.libsyn.com/secure/informeddecisions/podcast_040526_informed_decisions_is_your_ARF_built_to_last_30_years.mp3?dest-id=414202 - [€2M ARF in Ireland: What You'll Actually Keep — And How to Keep More](https://invisiblenetwork.ai/podcast/1150625286/806214f0958f) (2026-04-27, 33 min): audio https://traffic.libsyn.com/secure/informeddecisions/informed_decisions_367___podcast_2M_ARF_in_Ireland.mp3?dest-id=414202 - [How Much Money Do You Need to Retire in Ireland?](https://invisiblenetwork.ai/podcast/1150625286/cb4d0c2b5829) (2026-04-20, 26 min): audio https://traffic.libsyn.com/secure/informeddecisions/Informed_Decisions_Podcast_Ep366_how_much_income_do_i_need_200426_.mp3?dest-id=414202 - [Is One Million € Enough to Retire? - Real Income from Savings](https://invisiblenetwork.ai/podcast/1150625286/688441e89d86) (2026-04-13, 33 min): audio https://traffic.libsyn.com/secure/informeddecisions/riverside_is_1_million__enough_to_retire__podcast_audio_fi_informed_decisions.mp3?dest-id=414202 - [Best Deposit Rates in Ireland What to Know in 2026](https://invisiblenetwork.ai/podcast/1150625286/6c6abd71c90d) (2026-03-30, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/Best_Deposit_Rates_in_Ireland_What_to_Know_in_2026.mp3?dest-id=414202 - [Financial Advisor Commissions in Ireland: What Are You Actually Paying?](https://invisiblenetwork.ai/podcast/1150625286/5576568ce460) (2026-03-23, 31 min): audio https://traffic.libsyn.com/secure/informeddecisions/Ep_353_Commissions_Better_Version.mp3?dest-id=414202 - [The Silent Thief: What Inflation Is Doing to Your Cash Savings in Ireland](https://invisiblenetwork.ai/podcast/1150625286/1306a0dea25a) (2026-03-18, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/The_Silent_Thief_Inflation._Intro_w_Aaron_Ep362_16.03.26.mp3?dest-id=414202 - [Financial Independence, Property, and the Reality of Retirement with Michael Houghton](https://invisiblenetwork.ai/podcast/1150625286/e4abfef68ba7) (2026-03-10, 55 min): audio https://traffic.libsyn.com/secure/informeddecisions/Property_Investing_with_Michael_Houghton_361.mp3?dest-id=414202 - [Who Looks After Them When You Can't? Trusts & Wills with Elaine Byrne](https://invisiblenetwork.ai/podcast/1150625286/d6d0b8c78551) (2026-03-03, 35 min): audio https://traffic.libsyn.com/secure/informeddecisions/Trusts_for_Loved_Ones_with_Additional_Needs_Pod360.mp3?dest-id=414202 - [Do I need an Enduring Power of Attorney in Ireland?](https://invisiblenetwork.ai/podcast/1150625286/a3c866e664e4) (2026-02-17, 30 min): audio https://traffic.libsyn.com/secure/informeddecisions/Power_Of_Attorney_16.02.mp3?dest-id=414202 - [Irish Landlord Tax & Tenancy Changes 2026: Expert Guide for Property Investors](https://invisiblenetwork.ai/podcast/1150625286/48e40675696d) (2026-02-09, 54 min): audio https://traffic.libsyn.com/secure/informeddecisions/Brendan_Allen_Landlord_Tax_Episode_09.02.26.mp3?dest-id=414202 - [What The New Standard Fund Threshold Means for Your Retirement](https://invisiblenetwork.ai/podcast/1150625286/1c63a27a150f) (2026-01-27, 33 min): audio https://traffic.libsyn.com/secure/informeddecisions/Standard_Fund_Threshold_Changes_Ireland_2026_ep357.mp3?dest-id=414202 - [Retirement Planning Ireland: Get Ready for 2026!](https://invisiblenetwork.ai/podcast/1150625286/8e0442f47c85) (2026-01-19, 26 min): audio https://traffic.libsyn.com/secure/informeddecisions/Getting_Retirement_Ready_in_2026_ep356.mp3?dest-id=414202 - [Two Big Pension Changes You Need To Know About For 2026](https://invisiblenetwork.ai/podcast/1150625286/3823e7b33e28) (2026-01-13, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/Two_Big_Pension_Changes_You_Need_To_Know_About.mp3?dest-id=414202 - [Investments in 2025 & 'It Takes A Village'](https://invisiblenetwork.ai/podcast/1150625286/9be449350f19) (2025-12-22, 17 min): audio https://traffic.libsyn.com/secure/informeddecisions/Investments_2025_and_Thank_You.mp3?dest-id=414202 - [Pre Retirement Checklist Christmas Edition](https://invisiblenetwork.ai/podcast/1150625286/e72a9be2747c) (2025-12-17, 41 min): audio https://traffic.libsyn.com/secure/informeddecisions/Pre_Retirement_Checklist_XMas_edition.mp3?dest-id=414202 - [Should I Invest In Dividend Stocks To Generate Income?](https://invisiblenetwork.ai/podcast/1150625286/e1e2dd5cfe22) (2025-12-08, 30 min): audio https://traffic.libsyn.com/secure/informeddecisions/Should_I_Invest_in_Dividend_Stocks_and_Funds_353.mp3?dest-id=414202 - [Drawing Tax Efficient Income From PRSA or ARF In Your 50's](https://invisiblenetwork.ai/podcast/1150625286/2539416ab675) (2025-12-02, 26 min): audio https://traffic.libsyn.com/secure/informeddecisions/Drawing_Tax_Efficient_Income_From_Pensions_In_Your_50s.mp3?dest-id=414202 - [Markets Are High...Should I Jump To Cash, Out Of Equities?](https://invisiblenetwork.ai/podcast/1150625286/0723b8298dce) (2025-11-25, 39 min): audio https://traffic.libsyn.com/secure/informeddecisions/Markets_Are_High_Jump_To_Cash...351.mp3?dest-id=414202 - [The Financial Freedom of Getting Kids Off The Books!](https://invisiblenetwork.ai/podcast/1150625286/b8d954eb4340) (2025-11-17, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/Financial_Freedom_of_Getting_Kids_Off_The_Books_pod350.mp3?dest-id=414202 - [The Real Cost & Value of Financial Advice in Ireland](https://invisiblenetwork.ai/podcast/1150625286/751b8a9fdf86) (2025-11-10, 32 min): audio https://traffic.libsyn.com/secure/informeddecisions/The_Real_Cost_and_Value_of_Financial_Advice_in_Ireland_349.mp3?dest-id=414202 - [Annuity vs ARF: What's Best for a €1 Million Pension Pot in Ireland?](https://invisiblenetwork.ai/podcast/1150625286/f340ee9080a8) (2025-11-03, 39 min): audio https://traffic.libsyn.com/secure/informeddecisions/Annuity_or_ARF_for_1million_Pension_pot_in_2025_Podcast238.mp3?dest-id=414202 - [How To Invest Your Pension at 50 (Make €1m extra in 10 years!?)](https://invisiblenetwork.ai/podcast/1150625286/fe5f9f788b1e) (2025-10-20, 29 min): audio https://traffic.libsyn.com/secure/informeddecisions/How_To_Invest_Your_Pension_At_50.mp3?dest-id=414202 - [Unregulated Investments in Ireland: Fees, Lessons & What to Avoid](https://invisiblenetwork.ai/podcast/1150625286/151a61b1e1eb) (2025-10-13, 32 min): audio https://traffic.libsyn.com/secure/informeddecisions/Unregulated_Investments_in_Ireland...The_Fees_The_Facts.mp3?dest-id=414202 - [Don't Be The Magpie, And Achieve Better Investment Returns](https://invisiblenetwork.ai/podcast/1150625286/04e21235ef1f) (2025-09-29, 27 min): audio https://traffic.libsyn.com/secure/informeddecisions/Dont_Be_A_Magpie_Pod345_29.09.mp3?dest-id=414202 Shows are listed from Apple Podcasts' charts and directory, and Podcast Index where it is used. Every show and episode belongs to its publisher and plays from the publisher's own feed; this site hosts none of them.