You have over €2m in your ARF? From that point Revenue's imputed distribution in Ireland jumps from 4% to 6%, and it applies to the whole fund, not just the part above €2m. The better your ARF does, the faster Revenue makes you draw it down. This episode is for anyone approaching or in retirement in Ireland with a large pension, especially if you are within touching distance of the line.

In this episode Paddy will go through these topics with you:

• How the ARF imputed distribution works in Ireland: 4%, 5% and the 6% trigger, valued on 30 November and tested per person
• What 6% really costs after tax, with a fictional couple on 2027 rates, and why the extra income can be taxed at roughly 48%
• Why €2m in your pension is not €2m in your ARF, and the quiet ways people end up over the line, from growth to the death of a spouse
• What you can do about it: phasing PRSAs, two names rather than one, minding 30 November and starting drawdown earlier

If you're near the €2m line, on your own or between you, it is worth a look before the next 30 November.

🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/arf-2m-cliff-imputed-distribution-ireland

📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

📅 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 — 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.

Is EIIS in Ireland a useful investment or not? The Employment Investment Incentive Scheme offers higher-rate taxpayers up to 50% income tax relief for investing in Irish SMEs, and every autumn an awful lot of people are offered it. Paddy Delaney puts the investor's questions to Stephen Tully of BVP.

What Paddy went through in this episode:

• How the EIIS relief tiers work, and why higher relief means higher risk
• How long your money is really tied up, and who EIIS is not suitable for
• Where your money is held, what it costs, and who is paid commission for recommending it
• How gains are taxed, and when the tax relief can be withdrawn

If you are weighing up EIIS before the year end, this episode gives you the questions to ask first.

⚠️ Capital at risk. EIIS investments are high risk and illiquid, and tax relief can be withdrawn. General information only, not personalised financial advice.

🎙️Full podcast episode and 📖 Blog: https://www.informeddecisions.ie/post/eiis-ireland-questions-before-investing

📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

📅 Find out how we work: https://www.informeddecisions.ie

DISCLAIMER

EIIS investments are high risk. Your capital is at risk and you may lose some or all of it. The shares are illiquid and normally held for at least four years. Tax relief can be withdrawn in certain cases.

This content is for general educational purposes only and does not constitute personalised financial advice. Everyone's situation is different — 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.

Should you buy bonds now? If you are an Irish investor and the bond part of your pension or ARF has disappointed for a few years, the 5% yields in the headlines may sound like good news. They are a dollar number. This episode looks at what bond yields actually mean for someone investing in euro in Ireland.

In this episode, Paddy goes through these points:

• Why the same rise in rates that knocked value off bond funds has improved their future returns
• Why the 5% US Treasury yield is not what a euro investor receives, and what euro yields look like in 2026
• What higher yields mean if you are still contributing, and if you are drawing down an ARF under Revenue's imputed distribution rules
• Why the same bond fund is taxed very differently inside and outside a pension

If you hold bonds in your pension or ARF and want genuine clarity on whether they are doing the job they should, this episode is for you.

📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

📅 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 — 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.