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Informed Decisions Independent Financial Planning & Money Podcast

Paddy Delaney (Parent, Educator, Qualified Planner & Executive Coach)
Informed Decisions Independent Financial Planning & Money Podcast
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  • Venture Capital and Private Market Investing with Rob and Scott
    In this episode of the Informed Decisions podcast, I chat with Rob Halligan and Scott Ashmore, co-founders of Shuttle, a platform aiming to democratise access to private equity and venture capital investments.   The conversation dives into the fundamentals of private markets, how they differ from public equity investing, and why early-stage companies often turn to private capital over traditional bank loans. Rob and Scott shed light on the risk-reward profile of venture investing, the importance of diversification, and how Shuttle helps everyday investors participate in an asset class typically reserved for institutions and high-net-worth individuals.   The discussion also explores the mechanics of venture funding - from pre-seed to Series D rounds - highlighting how company valuations are set and the expected timeframes for returns. With Central Bank of Ireland authorisation, Shuttle operates a quarterly investment model, allowing users to gain exposure to a portfolio of vetted startups. The duo outline their vision for the platform, its future expansion into VC fund access, and how it aligns incentives by charging only a modest annual fee and a performance-based profit share.   Key Points: Private vs Public Markets: Private equity involves investing in unlisted companies, offering potentially higher returns but greater risk and illiquidity. Venture Capital Basics: VC is a subset of private equity focused on early-stage, high-growth startups, structured around funding rounds (e.g., Seed, Series A-C). High Risk, High Reward: Venture capital returns follow a power law distribution—few winners generate most of the returns. Diversification is Key: Investors should aim for 50+ holdings to reduce risk; Shuttle structures this via quarterly “drops” of 2–3 companies. Accessibility: Shuttle enables retail investors to participate in venture deals from as little as €250 per quarter. Platform Model: Investors pay €250/year plus a 10% fee only on realised profits, aligning platform and investor interests. Liquidity & Exit: Returns typically take 5–10 years; Shuttle is exploring secondary markets to improve interim liquidity. Market Trends: Private companies are staying private longer; institutional data points to retail access as the next frontier. Educational Focus: Shuttle supports investor understanding through simplified UX, content, and risk-appropriate onboarding. I hope it helps   JoinShuttle.com   Grit by Angela Duckworth – recommended by Rob Halligan. A book about the power of passion and perseverance in achieving success.   Outliers by Malcolm Gladwell – recommended by Scott Ashmore. It explores what makes high achievers different, focusing on the factors that contribute to success.   Disclaimer
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  • Understanding Your Defined Benefit Pension Scheme
    If you’ve ever looked at your pension statement and thought, “What does this actually mean?” You’re not alone. In this episode, #338, we’re cutting through the jargon and making sense of Defined Benefit (DB) pension schemes, especially for Irish employees and retirees. These schemes can offer incredible long-term value, but many people don’t fully understand how they work, what they’re worth, or what decisions they might face around them. Whether you’re still paying into a DB scheme or left it behind years ago, we’ll walk you through the key numbers, why these pensions are so unique, and how to approach big decisions, like whether to transfer out. It’s all about helping you understand, appreciate, and protect one of your most valuable financial assets.  I hope it helps. Disclaimer The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.  The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share    
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  • Flashback to episode 296 - Risk of Ruin...Lifestyle & Default Investment Pension Strategies
    For the past 8 years, I’ve been making the case that most investors, particularly those who can tolerate volatility, should avoid Lifestyle investment strategies in pensions. It’s been a lonely stance, with little to no mainstream coverage, even though investor feedback on my analysis was consistently positive. Back in early 2024, I shared updated research on Lifestyle and Default Investment strategies used by pension funds in Ireland. The results were clear: even after more than a decade of strong market performance, investors who took the ‘Do It For Me’ route, defaulting to cautious, de-risking strategies, ended up with significantly poorer outcomes than those who chose a more hands-on, equity-focused approach. Was I mad? Or missing something? It appears not. Disclaimer The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you.  The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share
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  • How Big Should My Pension Be?
    This week I flashback to a podcast from 2021! While it is a few years old its a common and important question. Key takeaways How big your pension should be when you start drawing down income How big your pension should be at various stages of your life What you can do if it's not as big as you would like it to be! How to live 14.9% longer! I hope it helps! Disclaimer
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  • 8 Years Later! The Soul of Wealth with Dr. Daniel Crosby
    In this week's podcast I chat with Dr. Daniel Crosby. He discusses the evolution of behavioral finance over the past eight years, reflecting on the growing acceptance and understanding of the field. He shares insights from his latest book, 'The Soul of Wealth,' emphasising the importance of health, happiness, and meaningful spending. The discussion also covers the role of community in financial behavior, the impact of delayed gratification, and the future of wealth management in an AI-driven world. Crosby highlights the necessity of practical applications in financial education and the importance of understanding one's relationship with money. Dr. Daniel Crosby is a psychologist, author, behavioral finance expert and asset manager who applies his study of market psychology to everything from financial product design to security selection. Key takeaways Behavioral finance has gained significant traction in the last eight years. Investors today are better educated and more disciplined than in the past. The focus of behavioral finance is shifting from avoiding mistakes to enhancing well-being. Health is a crucial component of wealth and happiness. Experiences often bring more joy than material possessions. Delayed gratification is a powerful tool for achieving long-term goals. Community and social connections enhance financial well-being. AI will play a significant role in the future of wealth management. Practical applications of financial wisdom are essential for real change. Creativity is vital for personal and professional growth. I hope it helps! The Soul of Wealth: 50 reflections on money and meaning Daniel's Linkedin Disclaimer
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About Informed Decisions Independent Financial Planning & Money Podcast

Take control of your financial future by joining us on Ireland's Independent & award-winning Investment & Retirement Planning Podcast, with Paddy Delaney (QFA RPA APA). Join Paddy & guests as they cut through the noise, nonsense and smoke-n-mirrors of financial services in Ireland. We want you to avoid costly mistakes and to make informed financial decisions in your investments and retirement planning. Paddy Delaney QFA RPA APA
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