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Pension strategies

Death and Pensions

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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?

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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

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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

The Pensions Time Bomb – Can we ever afford to retire?

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One of the statistics that emanated from the Austerity era, which seems to have been overlook by most, came from the HSE means test of over 70’s in Ireland. In the boom times, all Ireland’s over 70’s had been granted GP & other medical cards and the means test sought to identify those that did not need the State’s assistance. The results led to 95% of recipients retaining … [Read more...] about The Pensions Time Bomb – Can we ever afford to retire?