Podcast111: The Derek Bell Interview - How To Retire Well!

10/29/18 • 41 min

Informed Decisions Independent Financial Planning & Money Podcast

Welcome to Ireland’s only dedicated and straight-talking Personal Finance & Financial Planning Podcast. Delighted you have decided to have a look at this weeks’ episode. Firstly, want to say a heart-felt thank you to all listeners of the Podcast and readers of the Blog for their encouragement and feedback over the past 2 years, we picked up the title of ‘Ireland’s Best Finance Blog’ at the Irish Blog Awards last week in Dublin, totally surprised to win it for the 2nd year in a row, particularly against such top-drawer blogs as the Zurich, Bank Of Ireland, Taxback.com to name just a few. I’m a big believer is not focusing on the past too much, whether it is a high or a low, o lets get stuck in to this weeks’ episode!

We are joined in conversation by Derek Bell, the Chief Exec of the Retirement Planning Council of Ireland, which is based in Dublin. While it might sound a little like just another pensions company they are actually anything but. They provide, what to me sounds like, an invaluable service to people who are on the verge of retiring from their jobs here in Ireland. They run courses which help people to consider all they need to consider in advance of ‘graduating’ from their full-time permanent positions.......and to head off into the sun-set.

Derek shares with us in this 30 minute or so Podcast what he believes are some of the main aspects which people often overlook when considering retirement, and the funny thing a lot of those aren’t the financial, which makes it all the more interesting to hear and consider.

And be sure to listen through to the end where Derek shares the single biggest piece of advice he believes will impact on anyone who is preparing to retire, be that 40 years or 40 days away.......enjoy!!

Oh, be sure to drop me a mail here with your ideas, suggestions or feedback on how to make the Podcast/Blog as effective and useful as it can be, please!

Cheers,

Paddy Delaney

QFA | RPA | APA | Coach

Oh, be sure to drop me a mail here with your ideas, suggestions or feedback on how to make the Podcast/Blog as effective and useful as it can be, please!

Cheers,

Paddy Delaney

QFA | RPA | APA | Coach

Previous Episode

Podcast110: How To Procrastinate Later.........

'I'm not a procrastinator, I just prefer doing everything in a dead-line induced panic!'......Honest words shared with me by an acquaintance recently. And to be fair it totally struck a chord with me, as a former repeat procrastinator it sounded so accurate a description of the logic a procrastinator uses to rationalise their behaviour (or lack thereof). It is only when the pressure is on, the procrastinator will them him or herself, that I am at my best....so there really is no point in that particular item until such time as it is time-sensitive or urgent! We did touch on the subject previously and shared a story about a granny and €8k! We are not now here to criticise or condemn that approach, rather to try and understand why it is a default for so many of us in lots of aspects of our lives, and not just financial planning & money aspects.

Welcome back to Ireland's only dedicated Financial Planning Blog & Podcast, we're on a mission to share ideas and help you make decisions about your money that will benefit you now and into the future. We love to hear from readers and listeners to the podcast, and invite you to drop us an email here with suggestions, ideas or feedback.......thanks!

It is said that the avoidance of a task, postponing until tomorrow what can (and often should) be done today, is one of the main obstacles to us achieving success in our professional and personal lives. Think about that, how many times has an idea, a picture of a desired outcome, a goal or a wish entered your head, and for you to talk yourself out of it, for whatever reason? This is procrastination at work, and it nigh-on constantly prevents many of us from doing stuff that we want to do!

Read Full Blog Here.

Paddy Delaney

QFA | RPA | APA | Qualified Coach

Next Episode

Podcast112: Sequence Risk....The Silent Retirement-Income Killer

We are not talking about death here today, but we will be looking at a thing called Sequence Risk which in my book is one of the most unknown and under-rated influences on your income in retirement. I would go so far as to say that it can have much more of an influence on your retirement lifestyle than the amount that you actually have at the beginning of your graduation out of full-time employment.

Plain and simple this is one of the biggest factors affecting people's incomes in retirement. Essentially this is the very real risk of the order of investment returns you achieve being unfavourable. We will show you how big an impact this has on a portfolio, why you should know about it and begin to explain the very real impact it can have on the legacy that you leave your loved-ones.

Welcome to Ireland's only dedicated and straight-talking personal finance and financial planning Blog. We are on a long term mission to share ideas and raise awareness about topics that impact us all and which will hopefully be a positive benefit for you into the future. Please drop me a mail here with any ideas, suggestions or feedback which would help make this resource as useful as possible.

Thanks for listening,

Paddy Delaney

QFA | RPA | APA | Qualified Coach