{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Bonds Aren\u2019t Broken. What the 1970s Tell Irish Retirees About Bonds Today","description":"A lot of investors have written off bonds after 2022. In this episode, Paddy Delaney explains why that conclusion is based on a misreading of how bonds work \u2014 and what the historical data actually shows. The 10-year US Treasury yield went from under 6% to over 11% during the 1970s. Bonds still returned 5.4% per year. The worst single year was a loss of less than 1%. If bonds survived that rate environment, what does it mean for the environment we are in today? In this episode: - How bond returns are calculated (starting yield and duration) - Why rising interest rates improve your future bond returns, not reduce them - What the 1970s data shows, using Damodaran historical records - What this means practically for anyone with bonds in an ARF or occupational pension - A short note on lifestyling: being moved into bonds automatically is very different from choosing to hold them This episode is relevant if you are approaching retirement, already in retirement, or reviewing an ARF or pension that includes a bond allocation. If you would like to talk through your own situation, book a Clarity Call at&amp;nbsp;www.informeddecisions.ie Full blog post:  www.informeddecisions.ie\/post\/bonds-arf-retirement-ireland &amp;nbsp;\u2022 All Informed Decisions podcast episodes: www.informeddecisions.ie\/podcast\/ &amp;nbsp; ABOUT THE SHOW The Informed Decisions podcast is hosted by Paddy Delaney QFA RPA APA \u2014 independent, fee-only retirement planner in Ireland. The podcast and the blog at informeddecisions.ie are educational resources for Irish professionals, business owners, and high-net-worth individuals navigating retirement, tax efficiency, and investment strategy. Find Paddy at&amp;nbsp;www.informeddecisions.ie &amp;nbsp; TIMESTAMPS 00:00 Introduction to Bonds and Market Perceptions 02:43 Understanding Bonds: Their Role and Functionality 05:20 The Impact of Interest Rates on Bond Investments 08:20 Predictability of Bond Returns and Historical Context 11:11 The Mechanics of Bond Funds and Their Advantages 14:01 Current Bond Market Landscape and Future Outlook 17:03 Strategic Considerations for Investors and Pension Holders 19:46 Common Misconceptions and Mistakes in Bond Investing 22:25 Key Takeaways and Final Thoughts &amp;nbsp; DISCLAIMER This podcast is for general educational purposes only. It does not constitute personalised financial advice. Figures and rules referenced reflect the position as at May 2026 and are subject to change. Always speak to a qualified, independent financial advisor about your specific situation. ","author_name":"Informed Decisions Independent Financial Planning &amp; Money Podcast","author_url":"https:\/\/www.informeddecisions.ie\/the-blog","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/41573460\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/content\/202754900"}