When people ask me what my job is, I tell them I am a Financial Planner to which I normally get two responses: (1) What should I be invested in? (2) Which is the best pension product? I am not surprised by the way people react, as Financial Planning by its very nature is a relatively new topic to the Irish financial market. It’s also far easier to buy something like an … [Read more...] about Financial Planning – What is That All About?
Financial Planning
What is the best way to receive an income from my investments?
Investors relying on their portfolio to replace traditional sources of income can choose “natural income” or “decumulation”. Each has its merits. … [Read more...] about What is the best way to receive an income from my investments?
Death and Pensions
When it comes to pensions, it is becoming increasingly important that we do not just ask our clients what they have in their pension pot but more significantly what type of pension is their pension pot in? As the pension rules can result in dramatically different outcome for clients. Pension Types in Ireland People are surprised to know that in Ireland we have the … [Read more...] about Death and Pensions
What does the IORPS II Directive mean for International Pension transfers?
Part of the roadmap for pensions in Ireland involves the implementation of the IORPs (institutions for occupational retirement provision) II Directive. This brings with it the general development of international pension transfers in the Irish marketplace, with a particular focus on the UK (inbound) and Malta (outbound). What is IORPS? The original IORPs Directive in 2003 … [Read more...] about What does the IORPS II Directive mean for International Pension transfers?
Retirement Planning – When and Why to use a Small Self-Administered Pension
The tax benefits arising from Irish pensions legislation are one of the most liberal in Europe. There are significant tax savings to be had by investing in the correct retirement structure. In this article we have identified 8 key reasons why a Small Self-Administered Pension or SSAP can help you maximise these benefits. But Firstly…. Who can open a SSAP? It is a company … [Read more...] about Retirement Planning – When and Why to use a Small Self-Administered Pension
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