{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Pension Drawdown Above \u20ac2M: The \u20ac243,000 Timing Decision (SFT Ireland)","description":"If your pension is approaching or has passed \u20ac2 million, the question is no longer just how to grow it, it's how to generate income without handing a significant portion to Revenue unnecessarily. The Standard Fund Threshold in Ireland rose to \u20ac2.2 million in January 2026, and the decisions you make in the next few years will determine how much of that headroom you actually use. In this episode, Paddy covers the income strategies that matter most at the SFT level. If your pension is approaching \u20ac1.5 million or more, this episode is for you. \u2022 Why timing your Benefit Crystallisation Events can shelter up to \u20ac500,000 from Chargeable Excess Tax \u2022 How the lump sum offset mechanism reduces your CET exposure \u2014 and what the effective SFT really is in 2026 \u2022 What the imputed distribution rules mean when your ARF exceeds \u20ac2 million \u2022 How to manage income through the standard rate tax band efficiently \u2022 Why spousal pension planning is one of the most underused strategies at this level &amp;nbsp; \ud83d\udcca Find out how we work and have a look at our Retirement Readiness Scorecard:&amp;nbsp;https:\/\/www.informeddecisions.ie \ud83d\udcd6 Read the full blog:  www.informeddecisions.ie\/post\/generating-income-standard-fund-threshold-ireland 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. 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\/41621175\/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\/202903575"}