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    Pint of Guinness index

    There have been three cost increases by Diageo since the pubs re-opened after COVID.
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    Can an employee dictate who the pension provider is?

    From my experience, the best you can get on PRSA-AVC is maybe: 100% allocation 0.75% AMC
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    Can an employee dictate who the pension provider is?

    As a comparison, here are the charges on my workplace AVC
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    Can an employee dictate who the pension provider is?

    The employer generally chooses the pension provider. An allocation rate of 99.275% is not as bad as I have seen elsewhere. 1% AMC is not high in Ireland. It's not low, but it's not high. Bear in mind that, in general, pension fees are really high in Ireland. The two fees you quote are by no...
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    House Rich, Cash Poor, Low Income Retirement Plan Advice

    You have an accountant and you earn 9.5k?!!! With such a low income, is an accountant necessary? (1) their fee will eat into your low income (2) with a low income, your accounts must be fairly simple
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    House Rich, Cash Poor, Low Income Retirement Plan Advice

    Have you established your SI contributions record? This is important in the context of the State Pension.
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    Looking for advice on AVC contributions

    OK. You are suggesting that this choice has implications for the possibility / scope to do AVCs. I would have to think more about that. Other posters will know more than me.
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    Looking for advice on AVC contributions

    Up until recently, I presumed that all PS pension schemes offer: lump-sum + pension However, I recently discovered a PS pension scheme which gives staff a choice about the lump-sum. The other option is zero lump-sum, and a pension based on 1/60 accrual, not 1/80. It seems you are in a...
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    Cornmarket AVC Fees & Some Misc Queries

    https://www.expertadvice.ie/ I know nothing about his firm.
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    Employer deducting salary protection premium, but not paying it over

    Public servants hired pre April 1995 typically pay PRSI at class D, which is 0.9%, compared to the normal class A rate of 4%.
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    For fast accrual grades, the notional employer contribution is very high.
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    The pre 2013 PS pension has an average notional employer contribution rate of 29%. The SPSPS is less generous, so the notional contribution is much less.
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    Please see the attached analysis of PS pensions.
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    Health Insurance Laya Signify policy premium increased 17% - any alternatives in Laya?

    The HIA website doesn't make it obvious how to compare cover for a family..............
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    Health Insurance Laya Signify policy premium increased 17% - any alternatives in Laya?

    I used Dermot Goode's tool to compare, and he suggests Laya Signify, so maybe we should just stay with them..........
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    Health Insurance Laya Signify policy premium increased 17% - any alternatives in Laya?

    Two adults, two children. Laya Signify jumped 17% from last year. I see that Laya have had three price increases. https://www.independent.ie/business/personal-finance/laya-hits-700000-customers-with-third-price-rise-in-a-year/a2113793492.html Want to stick with Laya as they have a clinic...
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