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  • Pensions

    There comes a time when working for a living has to cease. We need to plan for that day and for a new source of income to replace our former employment income.more on pensions...

  • Investments

    It is important to seek independent advice from a Qualified Financial Advisor WHO IS NOT TIED to any particular Investment Provider or Life Assurer.more on investments...

Pensions

INVESTING FOR YOUR RETIREMENT

There comes a time when working for a living has to cease. We need to plan for that day and for a new source of income to replace our former employment income. Nowadays, more and more people are becoming aware of the need to start contributing to a pension plan as early as possible for THREE VERY GOOD REASONS:

  1. The earlier you start the greater will be your pension fund at retirement.
  2. Income Tax relief on your contributions kicks in immediately you start – so, you pay less Income Tax while, at the same time, building up your pension fund.
  3. For this reason, successive governments continue to grant generous TAX RELIEF on pension contributions in order to encourage the working population to provide for retirement.

Let us assist in selecting the right Pension Plan for you. Is it.... ?

  • PRSA – Personal Retirement Savings Account
  • PERSONAL PENSION
  • EXECUTIVE PENSION
  • SELF-DIRECTED PENSION
  • GROUP PENSION

Independent Pensions Advice

It is very important to seek independent advice from a Qualified Financial Adviser (QFA) who is not attached to any particular Pension Provider or Life Assurer.

We are INDEPENDENT ADVISORS AND BROKERS appointed by the major Life Assurance and Investment Offices. We are, therefore, qualified to offer UNBIASED AND IMPARTIAL ADVICE. Our experience and knowledge of the pensions market has made us the INDEPENDENT BROKER OF CHOICE in this area.

Whether you are an employed person or self-employed, starting a Pension or Retirement Plan is one of the best investment decisions you will ever make.

Government legislation has completely revolutionised the Pensions Industry here in Ireland. A Pension Fund invests in the very same way as that already described under the “INVESTMENTS” tab in these pages,

BUT WITH ONE MAJOR ADDITIONAL BENEFIT

  • You will receive Income Tax relief on the amount you pay into your fund in the first instance and PAY NO TAX ON THE GAINS accruing in the fund thereafter - right through to retirement time.
  • You will receive a refund of income tax in respect of all contributions to your Pension Plan. This includes allowing you to reclaim income tax paid in the previous financial year provided your Pension Plan is in place prior to a specified date.

You can elect to invest in any asset class or combination of assets, from equities to property and commodities.
You may SELF-DIRECT your Pension Plan, should you decide to make your own investment choices. This type of pension vehicle is known as SSAP, a SELF ADMINISTERED PLAN. It places you in control of your fund to the extent that you may consider appropriate..
When you eventually decide to retire or draw your benefits, you may choose to take:
  • A tax-free lump sum equivalent of 25% of your accumulated fund.
  • The remainder 75% can be placed in an Approved Retirement Fund (ARF) and can keep on growing TAX-FREE, until you decide to give yourself some payment from the fund, which is then subject to Income Tax (on the amount(s) withdrawn, only).

NOTE: ALL FUNDS OUTSTANDING IN PENSION FUNDS AFTER DEATH FORM PART OF YOUR ESTATE FOR BENEFIT OF YOUR DEPENDANTS.

FOR OUR OTHER SERVICES PLEASE SELECT AS APPROPRIATE FROM THE MENU AT TOP OF THIS PAGE

Warning: Past performance is not a reliable guide to future performance and the value of investments may fall as well as rise.

CALL US. WE WILL BE DELIGHTED TO MEET YOU.