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.

It's good to know which decisions can never be undone, before you retire in Ireland. Most of a pre-retirement checklist can be changed next year. Four or five items cannot. In this episode Paddy Delaney, independent retirement and investment planner, takes them door by door: the €200,000 lifetime limit on tax-free lump sums, the annuity decision, the tax year you crystallise near the Standard Fund Threshold, the pension tax relief that stops with your last payslip, and the order you do it all in.

This episode is for anyone a year or two from retirement who wants to know which doors close for good.

What you'll learn:

• Why the €200,000 tax-free retirement lump sum in Ireland is a lifetime limit across all your pensions, not per pension
• Why an ARF can become an annuity later, but an annuity can never go back
• How the Standard Fund Threshold rising from €2.2m to €2.8m makes the tax year you crystallise matter, and why growth can erase the saving (fictional case study: Maggie, 61, €2.6m)
• How much pension tax relief you can still use at 55 to 59 and at 60 and over, before your last payslip

If you're approaching retirement with a significant pension and want clarity on which decisions to slow down on, this episode is for you.

🎙️ Access all our podcast episodes and our blog

📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard

📅 Find out how we work

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.

Trust in financial services in Ireland sits at 49%, against a global average of 63%. Paddy Delaney goes through the 2026 Edelman Trust Barometer research on financial services, where Ireland ranks, and what sits behind the number.

Edelman surveyed almost 34,000 people across 28 countries and publishes a separate report on financial services. Ireland comes in 23rd of 28, inside the distrust band, below the developed-economy average of 53% and well below the global figure.

In this episode, Paddy goes through the following:

• Where Ireland ranks for trust in financial services, and which countries sit above and below
• Why trust in financial services runs at 73% in developing economies and 53% in developed ones
• Which sub-sectors are trusted least, and why banks score higher than financial advisers
• What the tracker mortgage scandal actually cost, and why it is far more recent than most people remember
• The one question to ask any adviser about how they are paid, and what the answer tells you

If you are weighing up financial advice in Ireland, particularly with significant pension or investment assets behind you, this episode is about how to judge who is worth listening to.

🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/trust-financial-advice-ireland

📊 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.

The Prize Bond prize fund rate rose from 1.00% to 1.50% this month, the first State Savings increase in about three years. Almost every write-up has described that 1.5% as a return. It is not one. It is the size of the prize pool spread across the whole €4.4 billion in issue, and what an individual holder receives is decided by a draw.

In this Episode, Paddy works through the NTMA's own published figures and puts a realistic number on what Prize Bonds are actually worth to a normal holding, then lines them up against what the same State will pay for certainty.

What you'll learn:

• Why the 1.5% prize fund rate is not interest, and what it actually describes
• What the odds look like in practice: 0.067% per bond, and a 59% chance of a year with nothing on a €5,000 holding
• The new State Savings rates: 1.96%, 2.29%, 2.33% and 2.66%, all tax-free, and the one product that pays DIRT
• How to compare any bank rate properly by dividing the gross rate by 0.67
• Why the State Savings guarantee has no €100,000 ceiling, and who that actually matters to
• The trap in locking a 10-year rate, and why "eaten bread is soon forgotten" belongs in this decision

If you are holding Prize Bonds, State Savings or cash on deposit in Ireland and want to know what those balances are really doing, this episode is for you.

🎙️ Full podcast episode and 📖 Blog: https://informeddecisions.ie/prize-bonds-ireland-what-the-rate-means/

📊 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.

Inheritance tax in Ireland is charged at 33% on anything above €400,000 passing from a parent to a child. The question most families never properly work through is whether to move assets during their lifetime or leave them until the end. And that decision changes the bill, the timing, and who ends up paying it.

Paddy is joined by Mairéad Hennessy of Taxkey, a firm of independent tax consultants, for a practical conversation about passing wealth on in Ireland.

What you'll learn in this episode:

• Why the tax question is the wrong place to start, and what to work out first

• How the €3,000 small gift exemption works, what makes it fail, and why it is worth far more over time than the figure suggests

• How capital gains tax paid by a parent can be credited against a child's inheritance tax bill and the two-year condition attached to it

• What a business transfer needs in place in the ten years before it happens, and why the child has to be in the room

• Family partnerships: how they work, who they suit, and what they cost you in privacy

• The US Federal Estate Tax exposure sitting in Irish households through employer shares, and the $60,000 threshold behind it

We recorded this just as the roadmap for the taxation of private investments was published; it therefore also provides an initial outlook on the investment account to be introduced in 2027 and its implications for notional disposals.

If you are approaching retirement with a business, property or a portfolio that will have to move at some point, or you are in line to inherit and would rather understand it in advance, this episode is for you.

🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/inheritance-tax-ireland-gift-or-inherit

📊 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

🔗 Mairéad Hennessy, Taxkey: www.taxkey.ie

Book mentioned: Self Employed – The Forgotten Community by Dan O'Donoghue: https://buythebook.ie/product/self-employed-the-forgotten-community/

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

Should you retire with the market at an all-time high? In Ireland, the record level feels dangerous, but it is not the risk that decides your outcome.

In this episode, Paddy asks whether retiring at an all-time high is really the risk Irish savers fear, or whether the thing that decides your outcome is something else entirely.

What you'll learn:

• Why all-time highs are common, not a warning: global equities sit at or near record highs on roughly a third of trading days

• What Japan's lost decades really warn against: concentration in one market, not equities themselves

• A sequence-of-returns case study: how two retirees with the same €1.2m and the same average return finished €1.25m apart

• The Irish nuance: why Revenue's imputed distribution makes the buffer inside your ARF matter more than any market call

If you're within a couple of years of drawing down, and the timing has you worried, this episode is for you.

🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/should-i-retire-at-all-time-highs-ireland

📊 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.

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