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Retirement planning - a vital part of our lives.

Your income is your biggest asset! Just think that at retirement, your income stops.
At present the government pays a social welfare retirement pension. This is a small amount compared with the income most people are earning just before they retire.
It is up to you to provide an income for retirement, so the sooner you start planning and putting money aside, the easier it will be to build up a retirement fund.


MAKE LIFE EASIER IN RETIREMENT –
INVEST TODAY AND BENEFIT FROM TAX RELIEF


 

 

Personal Retirement Plans -
PRSA / Personal Pension Plan / AVC

PRSA - Personal Retirement Savings Account
A retirement plan for the self-employed and employees where there is no company pension.
Choice – You can choose from a wide range of investment options, designed to meet your needs.
Flexible - You decide how often and how much you want to contribute to your PRSA.
Portable - If you move jobs or take a career break, your PRSA stays with you. You can stop and restart contributions without penalty.
Employee – you and/or your employer can contribute to your PRSA. There are limits for your persoanl contributions to receive tax relief.   

Personal Pension
A retirement plan for the self-employed and employees where there is no company pension.
Choice – You can choose from a wide range of investment options, designed to meet your needs.
Flexible - You decide how often and how much you want to contribute to your Personal Pension.
Portable - If you move jobs or take a career break, your Personal Pension stays with you. 
Employee – only you can contribute to your Personal Pension within your personal limits for tax relief.

AVC - Additional Voluntary Contribution
An AVC is used to pay additional personal contributions to your company or industry pension scheme.
The AVC can be paid by slary dedcution or privately by direct debit using a PRSA.
Choice – If you use a PRSA for your AVC, you can choose from a wide range of investment options, designed to meet your needs. An employer AVC scheme may have limited investment options.
Flexible - You decide how much you want to contribute to your AVC and by which means, salary deduction or privately by direct debit.
Portable - If you move jobs you can take your AVC with you as part of your leaving service options which will be aligned with the company/group scheme.
Employee – only you can contribute to your AVC within your personal limits for tax relief.

Use the Pension Calculator to help you plan your personal retirement. 


Company - Director's Scheme / Group Scheme / AVC

If you would like to explore options for company pensions for your own retirement planning or wish to learn about staff schemes, I can provide all the information and advice you need and guide you through the available options ......

  • Executive Pension Plan
  • Group PRSA Scheme
  • Group Company Pension
  • AVC Scheme - where an exisiting group scheme exists


Self Directed Schemes - choose your own investments.

Self Directed/Invest Pension Schemes are now available through approved pension providers which makes this option easier to access. The pension provider has the pension approved structure in place and you just make the investment decisions. With the Self Directed Pension Option you become the fund manager and you can invest in insurance funds or assets outside the normal insurance funds. These assets have to be within pension investment rules and traded on regulated markets.
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Features

  • A Self-Directed Pension may be suitable for experienced investors who want to self-manage their pension fund investments. You can choose your own shares and funds or any allowable asset for pension investment and that is available from the pension provider and/or stockbroker. This investment approach should be considered a high-risk investment.
  • Suitable for experienced investors with resources to cover billed costs associated with the pension plan and investment funds.
  • Contributions can be monthly, yearly or lump sum. Contributions qualify for tax relief in line with revenue limits and type of pension, i.e. personal, executive, etc.

Warning: If you invest in these products, you may lose some or all of the money you invest
Warning: The value of your investment may go down as well as up
Warning: Returns may be affected by changes in currency exchange rates

Pension Calculator


Pension Enquiry
 

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