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Forum: Pensions 12-11-2014, 10:15 AM
Replies: 1
Views: 284
Posted By GSheehy
For the transaction you describe, you've nothing...

For the transaction you describe, you've nothing to worry about. Same contract with same company with same fund/s without the 5% contribution charge.
Forum: Pensions 24-10-2014, 09:24 AM
Replies: 7
Views: 725
Posted By GSheehy
The imputed distribution rate for ARFs and vested...

The imputed distribution rate for ARFs and vested PRSAs has been reduced from 5% to 4% where the owner is aged between 60 and 70 the total fund is less than €2m


...in addition

i) A maximum...
Forum: Investments 13-03-2014, 11:36 AM
Replies: 11
Views: 6,472
Posted By GSheehy
I'd hazard a guess that the majority of property...

I'd hazard a guess that the majority of property funds launched around the same time as this one were totally derailed.

Do investors actually care where the money is invested as long as it makes...
Forum: Pensions 28-01-2014, 09:43 AM
Replies: 7
Views: 2,051
Posted By GSheehy
I doubt that you will be able to buy the product...

I doubt that you will be able to buy the product cheaper from the company direct that you could through a discount broker.
Forum: Pensions 24-01-2014, 07:00 PM
Replies: 23
Views: 3,751
Posted By GSheehy
This is utter BS and typical of the bank direct...

This is utter BS and typical of the bank direct sales spiel. They tell you that you're getting something special but it's just not true.

It looks like the 'Complete Solutions' product. 101%...
Forum: Pensions 24-01-2014, 11:48 AM
Replies: 8
Views: 984
Posted By GSheehy
TG, If you haven't done so already, make...

TG,

If you haven't done so already, make sure you get the best annuity rate on the 'open market' for your investment. Don't accept the annuity rate from the holding company as being the best. Shop...
Forum: Pensions 20-01-2014, 10:37 AM
Replies: 3
Views: 834
Posted By GSheehy
If you need advice from the broker on the...

If you need advice from the broker on the product, level of contribution, investment funds etc. then you have to pay for it. That's what the contribution charge goes towards.

If you don't need...
Forum: Pensions 17-12-2013, 11:22 AM
Replies: 23
Views: 3,751
Posted By GSheehy
You should be able to negotiate a BoB with no...

You should be able to negotiate a BoB with no entry/exit charges and an AMC of less that 1% for the level of funds you are talking about.
Forum: Pensions 17-12-2013, 11:18 AM
Replies: 6
Views: 1,066
Posted By GSheehy
Post the 'old' charging structure and the...

Post the 'old' charging structure and the proposed 'new' charging structure ie what's the Annual Management Charge and Allocation Rate on the existing and proposed PRSA contracts? The allocation rate...
Forum: Pensions 26-08-2013, 11:26 AM
Replies: 0
Views: 728
Posted By GSheehy
Personal Insolvency Act and its impact on Private Pensions

Good article by Tony Gilhawley here (http://www.brokerzone.ie/pdfs/General/PensionPost/PensionPostIssue2.pdf?WT.mc_id=ezine;Pension+Post+Issue+2)
Forum: Pensions 19-08-2013, 09:57 AM
Replies: 1
Views: 916
Posted By GSheehy
labrokers.ie or prsa.ie (that I'm aware of) ...

labrokers.ie or prsa.ie (that I'm aware of)

100% allocation and 1% AMC.
Forum: Investments 27-03-2012, 08:56 AM
Replies: 11
Views: 1,570
Posted By GSheehy
Are you sure the MVA applies to the total fund...

Are you sure the MVA applies to the total fund and not ust the property portion?
Forum: Investments 01-12-2011, 01:28 PM
Replies: 8
Views: 2,292
Posted By GSheehy
Zurich Life have agreed to do the following for...

Zurich Life have agreed to do the following for me on this product



My blog post here (http://www.prsas.blogspot.com/2011/11/improved-charging-structure-from.html)
Forum: Investments 17-06-2011, 02:17 PM
Replies: 3
Views: 1,517
Posted By GSheehy
They both offer 100% Capital Protection (not...

They both offer 100% Capital Protection (not Guarantee).
Forum: Pensions 16-05-2011, 06:21 PM
Replies: 4
Views: 1,305
Posted By GSheehy
They may have been referring to this...

They may have been referring to this (http://www.eddiehobbs.com/_blog/EddiesBlog/post/Letter_Campaign__Pension_Capital_Appropriation/)
Forum: Pensions 15-04-2011, 09:23 AM
Replies: 5
Views: 1,976
Posted By GSheehy
The products available through the site are not...

The products available through the site are not restricted to PRSAs. Personal Pension (RAC), Executive (Directors) Pension, ARF (AMRF) and Pension Retirement Bond are also available.
Forum: Pensions 17-02-2011, 12:42 PM
Replies: 0
Views: 961
Posted By GSheehy
FG pledge eases threat to PRSA schemes

Full story here (http://www.independent.ie/business/irish/fg-pledge-eases-threat-to-prsa-schemes-2544310.html)
Forum: Pensions 17-12-2010, 09:08 PM
Replies: 5
Views: 1,448
Posted By GSheehy
No It would appear from the proposal that...

No

It would appear from the proposal that you will not have a choice if the trustees of your pension scheme think it's a good idea.
Forum: Pensions 17-12-2010, 03:06 PM
Replies: 5
Views: 1,448
Posted By GSheehy
Sovereign Annuities

Link to Press Release here (http://www.merrionstreet.ie/index.php/2010/12/o-cuiv-launches-new-sovereign-annuities-initiative-to-provide-greater-opportunities-for-irish-pension-schemes/?cat=12)
Forum: Investments 15-12-2010, 07:44 PM
Replies: 28
Views: 10,299
Posted By GSheehy
Can you post the text of the reply you got?

Can you post the text of the reply you got?
Forum: Pensions 15-12-2010, 07:35 PM
Replies: 9
Views: 1,812
Posted By GSheehy
It may not be 'scrapped'. DoF have left the door...

It may not be 'scrapped'. DoF have left the door open on this one and it may agree to a levy on pension funds, if it can raise a similar amount (700m) for exchequer.
Forum: Pensions 15-12-2010, 07:31 PM
Replies: 3
Views: 1,468
Posted By GSheehy
The % being bandied about is 0.5%

The % being bandied about is 0.5%
Forum: Pensions 06-12-2010, 08:24 PM
Replies: 10
Views: 2,438
Posted By GSheehy
It states :

It states :
Forum: Pensions 05-12-2010, 06:43 PM
Replies: 10
Views: 2,438
Posted By GSheehy
It is not a racing certainty that the current...

It is not a racing certainty that the current tax-relief system will be reduced at all. IMHO the 700m that the Government 'need' to collect from this austerity measure will be in the form of a levy...
Forum: Pensions 28-11-2010, 11:04 PM
Replies: 1
Views: 1,003
Posted By GSheehy
Has he contacted the CIF about it? If not,...

Has he contacted the CIF about it?

If not, the details are here (http://www.cif.ie/asp/contactus.asp)
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