{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Simplicity Is The Ultimate Sophistication (Replay)","description":" This one was recorded a while back (in 2024), but the argument hasn't dated a day, if anything, it holds up better now than when we first put it out.&amp;nbsp;A of complexity in Irish pension and investment advice isn't there to help you. It's there to help the person selling it. In this episode, Paddy explains why simplicity almost always beats sophistication when it comes to your pension and investment planning, and what a genuinely simple structure actually looks like.  What you'll learn:  \u25cf Why financial firms are often incentivised to make your pension and investments more complicated than they need to be  \u25cf The real-world cost of sophisticated, structured investment products that underperform  \u25cf What a simple, transparent pension and investment structure actually looks like in practice  \u25cf The questions worth asking any advisor before trusting them with your retirement assets  If you've ever had a feeling that your own pension or investment structure is more complicated than it needs to be, this episode is for you.  \ud83c\udf99\ufe0f Full podcast episode and \ud83d\udcd6 Blog:  www.informeddecisions.ie\/post\/simplicity-over-sophistication-pension-planning  And a quick word on something new: alongside the podcast, I've started putting together shorter pieces for YouTube: Paddy's Pension Pieces. Each one built around a single question from a fuller episode or a specific topic I\u2019d like to discuss in shorter time . The first is up now, on what a \u20ac1 million pension pot in Ireland actually leaves you with after tax: check out our YT Channel to discover :) More to follow.  \ud83d\udcca Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: https:\/\/www.informeddecisions.ie\/pension-calculator  \ud83d\udcc5 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 \u2014 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. ","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\/42054365\/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\/204027925"}