Informed Decisions Independent Financial Planning & Money Podcast

• Why Indexing Still Wins for Long-Term Investors and Pension Holders

  Back in 2020, I wrote a piece outlining the uncomfortable truth that active fund managers find it hard to wrestle with....that most of them consistently fail to outperform 'the market'. Fast forward to 2025, and guess what? Nothing appears to have changed. In this podcast, I'll share the following: Why low-cost index funds continue to outperform the majority of actively managed funds The latest 2024 hardcore data that confirms the long-term underperformance of most active managers Why much spoken-about market concentration isn’t a reason to abandon passive investing Common arguments against indexing, and why they don’t stack up How this applies to you if you're approaching retirement and looking for a smart, stress-free investment approach If you're a successful professional in your 50s, maybe eyeing the exit door at your company, or looking for an exit from your business, you're now facing a different kind of pressure: how to make sure your hard-earned wealth works for you over the (hopefully) several decades of your retirement! You’re not alone, and the good news is, the data keeps making the case for a simpler, smarter approach. Let’s dive off the top ropes and explore shall we!? Oh, as a 'big treat' I took my lads to a WWE event in Belfast at the weekend - it was such an over-the-top show that it's imprinted on my brain, so you'll have to pardon the many wrestling references here :) I hope it helps. Disclaimer

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• Best Pension Option For Self-Employed Directors in Ireland (in 2025!)

  In this week's podcast I talk about pension options for self-employed directors.   Over the past 3 years, the actual best pension option for self-employed directors has changed 3 times! Not because Financial Advisors and Planners were flip-flopping on their options (or trying to churn new business!), but because Revenue rules kept changing!   So to help clear any confusion, and to light the way for directors that need to know, I'll share the following; -The main pension planning options for directors in 2025 -The best pension option for self employed directors in different situations -What to keep an eye-out for if you are moving or switching pension scheme in Ireland I hope it helps! Disclaimer

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• Rental Income Tax Planning with Brendan Allen

  In this week's podcast, I chat with Brendan Allen a specialist in property tax. He is a Chartered Tax Accountant and Chartered Tax Advisor, and is the owner of Allen & Co Tax Accountants and Landlord Tax Returns and is passionate about tax talk.   Key topics Intricacies of tax of landlords Landlord tax credit Rent pressure zones Pros & Cons Pensions Private landlord current situation   I hope it helps!   The Mysterious Affair at Styles The World According to Garp       Link to our Blog in 2017 and our Podcast here Is It Profitable Being A Landlord??........The Maths! Blog 33 Link to Rental Income Stress Test Calculator Property Stress Test Calculator - Landlord Tax Returns - Landlord Accounts Landlord Tax Returns Brendan Allen LinkedIn   Disclaimer

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• Building Olympic Resilience with David Gillick

  On this week's podcast, episode 324, I chat with Olympian, David Gillick about resilience and his journey and how he got through some really dark days. Something we will experience as investors. David shares some fun and interesting stories   David is one of Ireland most successful sprint athletes. He stepped off the track in 2013 after a successful athletics career which included winning Ireland’s first sprint gold medal in 76 years when winning the European Indoor 400m championships in 2005. He went on to retained his title in 2009 and became an Olympian in 2008.   David currently works in a number of areas, mainly corporate wellness and performance. Consulting and supporting organisations, teams and individuals in realising their potential and operating efficiently and effectively to achieve their respective goals.   I hope it helps.   The Racket By Conor Niland Simon Sinek Start with Why Robin Sharma The Monk Who Sold His Ferrari Andre Agassi OPEN   David Gillick website   David Gillick LinkedIn   @davidgillick On Instagram     Disclaimer

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• US Market Warnings – And What We Can Do About It

  There is more and more commentators shouting from the roof-tops about the massive growth of North American stock values and earnings over the past few years (since Covid really). I’ll explore what is and isn’t really happening, and what one’s practical options are.  Specifically, the following are the claims/alarms being flagged;  US Tech stocks have gone so incredibly well for several years, these companies, and the US is now over-priced and make up larger proportions of Globally Market than they ‘should’.  The future expected returns from S&P500 as a whole, so people ‘should’ now re-allocate to Europe, Emerging Markets and other locations, for future returns  I hope it helps. Disclaimer

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