Should you buy bonds now? If you are an Irish investor and the bond part of your pension or ARF has disappointed for a few years, the 5% yields in the headlines may sound like good news. They are a dollar number. This episode looks at what bond yields actually mean for someone investing in euro in Ireland.

In this episode, Paddy goes through these points:

• Why the same rise in rates that knocked value off bond funds has improved their future returns
• Why the 5% US Treasury yield is not what a euro investor receives, and what euro yields look like in 2026
• What higher yields mean if you are still contributing, and if you are drawing down an ARF under Revenue's imputed distribution rules
• Why the same bond fund is taxed very differently inside and outside a pension

If you hold bonds in your pension or ARF and want genuine clarity on whether they are doing the job they should, this episode is for you.

📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

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

DISCLAIMER This content is for general educational purposes only and does not constitute personalised financial advice. Everyone's situation is different — always speak to a qualified, independent advisor before making pension or investment decisions. Tax rules and pension regulations change; figures quoted are accurate at time of recording.