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.

US estate tax is not only an American problem. If you are an Irish resident holding shares in US companies, whether through vested RSUs or your own investment account, the IRS can charge estate tax on anything above $60,000 when you die. A US citizen gets $15m.

Paddy tries to shed a bit of light on the matter and goes through it here:

• Why shares in US-incorporated companies count as US assets, even on an Irish platform
• What US estate tax looks like on $750,000 of employer shares in Ireland: a bill of $235,300
• Why "everything to my spouse" can be the expensive route under the Ireland-US estate tax convention
• The two options, reducing your US exposure or planning your estate around it, and what each one costs

If a big part of your wealth is sitting in RSUs or US shares in Ireland, this episode is for you.

The figures are as at the time the records were made.

🎙️ Full YT episode and 📖 Blog: www.informeddecisions.ie/post/us-estate-tax-ireland-rsus-us-shares

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

📅 Find out how we work: 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.

Budget 2027 in Ireland came with the usual noise about tax bands and credits. If you are within 5 to 10 years of retiring, or already retired, those are rarely the lines that matter. In this Budget special, Paddy Delaney goes through what actually changed for Irish pensions, investments and retirement income.

• The new Investment Account in Ireland: €12,000 a year, the first €50,000 tax-free, 1% a year above that, from 1 July 2027
• Exit tax down from 38% to 35%, capital gains tax down to 31%, and why deemed disposal is still with us
• What the Budget did and did not touch on pensions, including new valuation factors for defined benefit schemes under the Standard Fund Threshold
• And a practical example: €1,000 a month for 8 years, and the difference between €15,400 of exit tax and roughly €2,000 of account charge

If the Budget has you wondering where you actually stand, this episode is for you.

🎓 Free webinar about "Your Money in 2027": Friday 9 October, 12:00, with Alan Purcell: https://www.informeddecisions.ie/webinar

📖 Full Blog: www.informeddecisions.ie/post/budget-2027-ireland-pensions-investing

📊 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.