<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Elliott]]></title><description><![CDATA[Elliott]]></description><link>https://www.elliott.ie/insights</link><generator>RSS for Node</generator><lastBuildDate>Sat, 15 Aug 2026 15:13:30 GMT</lastBuildDate><atom:link href="https://www.elliott.ie/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Kevin Elliott Featured on The Irish Times' Better with Money Podcast]]></title><description><![CDATA[When it comes to financial “advice” on the internet, there are many content creators and so-called “finfluencers” who do actually have helpful information to share with the beginner investor. The problem is that their guidance is often tailored to an American, and to a lesser extent, a UK audience. Following their recommendations for investing could potentially land you with an immense tax headache. In this episode of Better with Money, Kevin Elliott, a certified financial planner with...]]></description><link>https://www.elliott.ie/post/kevin-elliott-featured-on-the-irish-times-better-with-money-podcast</link><guid isPermaLink="false">6a7f1540bf3185c28f971c56</guid><pubDate>Fri, 14 Aug 2026 13:21:45 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/66b421_c14ca4b6172b45578f07d3f1482dd210~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item><item><title><![CDATA[How Many Healthy Years Do You Have Left? What the Irish Data Says]]></title><description><![CDATA[Irish life expectancy is among the highest in Europe. The figure that should actually drive your retirement date is a different one, and it is considerably smaller. An Irish man who reaches 65 can expect around twenty more years of life. An Irish woman, around twenty-two. Those are among the best figures anywhere in Europe, and they are still improving. There is a second figure sitting behind them, and almost nobody plans around it. Alongside life expectancy, Eurostat publishes healthy life...]]></description><link>https://www.elliott.ie/post/copy-of-copy-of-copy-of-what-to-do-if-the-market-crashes-a-calm-practical-guide-for-irish-investor</link><guid isPermaLink="false">6a7b1c34bb2b410376bc48fc</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 11 Aug 2026 12:57:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/66b421_3ed9b1e0d0c54896aa29c2cb83343c75~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item><item><title><![CDATA[The 5 Years Before Retirement in Ireland:Why You Can’t Just Wait It Out]]></title><description><![CDATA[Five years out you hold the largest pension balance you will ever have and the least time you will ever have to recover from a mistake. Irish rules add a constraint that most retirement advice ignores entirely. You are 60. You have €850,000 in a defined contribution pension after thirty-five years of contributions. You intend to retire at 65. Then global equity markets fall 50% over eighteen months, as they did between 2007 and 2009. A 60/40 portfolio drops roughly a third. Your €850,000 is...]]></description><link>https://www.elliott.ie/post/copy-of-copy-of-what-to-do-if-the-market-crashes-a-calm-practical-guide-for-irish-investors</link><guid isPermaLink="false">6a7b1c206451349f6d93a633</guid><category><![CDATA[Retirement]]></category><pubDate>Tue, 11 Aug 2026 12:57:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/66b421_f51df3c8359f4d20935b60bb31bc5360~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item><item><title><![CDATA[The Lump Sum Credit That Cancels Chargeable Excess Tax]]></title><description><![CDATA[If your pension fund is near the Standard Fund Threshold, there is a mechanism in Irish tax law that can make the taxable band of your lump sum effectively free. It only works in one direction, and outside that range it costs you €60,000. Almost everyone with an Irish pension knows about the 25% lump sum. Far fewer know that it is not 25% tax free, that the limits apply across every arrangement they have ever held, or that the tax paid on part of it can be credited back. For most people the...]]></description><link>https://www.elliott.ie/post/copy-of-what-to-do-if-the-market-crashes-a-calm-practical-guide-for-irish-investors</link><guid isPermaLink="false">6a7b1be2feb46c4605349bf4</guid><category><![CDATA[Tax]]></category><pubDate>Tue, 11 Aug 2026 12:56:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/66b421_ccb9d626744748e0b67fc232707ae065~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item><item><title><![CDATA[The Tax-Free Lump Sum: Should You Take the Full €200,000?]]></title><description><![CDATA[It is the most common decision in Irish retirement, and the one most often made on autopilot. Tax-free does not mean free of consequence — and it is not reversible. You retire with an €800,000 pension. Revenue tells you €200,000 can come out entirely tax free. Most people take it without much deliberation, because the alternative appears to be leaving free money behind. Sometimes that is right. Often it is not. And the part almost nobody is told is that the decision cannot be undone. What you...]]></description><link>https://www.elliott.ie/post/copy-of-should-you-overpay-your-mortgage-in-ireland</link><guid isPermaLink="false">6a733290ff87a46d334521d3</guid><category><![CDATA[Tax]]></category><pubDate>Wed, 05 Aug 2026 12:54:49 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/66b421_ad3197f17db44548b77d18f7b2d7249c~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item><item><title><![CDATA[Irish Rental Property in 2026: What the Numbers Actually Show]]></title><description><![CDATA[The income case for a leveraged Irish rental has largely gone. What remains is a leveraged bet on house prices — which is a legitimate position, but a different one from the passive income most landlords think they are buying. Irish property prices are now well past their Celtic Tiger peak. The CSO index stands roughly 26% above its April 2007 high, with a median price of €395,000 in the twelve months to May 2026 and annual growth of 6.2% — the slowest rate since early 2024, but still growth....]]></description><link>https://www.elliott.ie/post/sequence-of-returns-risk-why-retirement-timing-can-destroy-your-1m-pension</link><guid isPermaLink="false">6a73316b6f3a9867f4d84838</guid><category><![CDATA[Tax]]></category><category><![CDATA[Property]]></category><pubDate>Wed, 05 Aug 2026 12:54:29 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_562c4c36e7bc4b26bbc389a2781d953d~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item><item><title><![CDATA[RSUs in Ireland: What You Actually Keep, and What It Costs You]]></title><description><![CDATA[Equity compensation has been one of the best wealth builders of the past decade. It is also the most reliable way to end up with a large net worth and no freedom, because roughly half of every vest goes to Revenue and most of what is left stays in a single stock. There is a pattern among senior people at large technology employers in Ireland. Net worth climbs. Income climbs. Lifestyle climbs. And financial freedom quietly moves in the opposite direction, because a growing share of the balance...]]></description><link>https://www.elliott.ie/post/should-you-overpay-your-mortgage-in-ireland</link><guid isPermaLink="false">6a733016101ab9175ce7b862</guid><category><![CDATA[Tax]]></category><pubDate>Wed, 05 Aug 2026 12:49:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_357b4d5404e14d3caeb5524d3fe92558~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Kevin Elliott</dc:creator></item></channel></rss>