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Bank Of Ireland could get you back to mid 2015. Before that, the data is removed

Many thanks. Will they tell me when I have made full contributions, or keep sending me yearly invoices?

Hi. We managed to get signed in to the Gateway site, and my wife is showing as having 30 years of full contributions, 3 years when she didn't contribute enough, and 15 years to contribute before 5th April 2037 (when she will be 66). She worked in NI from 1993 to 2003. There was no contribution...

Can you top up your UK state pension OR transfer years from UK to ROI to improve your Irish state pension OR do a mix of both?

Many thanks Brendan

Hi. I have a limited company, and I paid preliminary Corporation Tax of €3500 last October, from my business account. I have just completed returns for 2019, and there is a refund of €2500 owed to me, as an overpayment. If I put this back into the business account, can I remove it without paying...

This is an interesting conversation. I have a limited company. My accountant handles the end of year accounts, but I look after VAT3, P30 etc. Regarding preliminary, I always know to contact him near Halloween, and ask him to recommend a figure, and I do the form on ROS myself, and pay the...

My wife worked in NI for 10 years, and we have now bought back 10 more pension years at the cheaper Class2 rate because she is self employed. Works out at £169 sterling approx. per year instead of £600 sterling per year

Just jumping back in here again, if I may. Is it possible to put the profit in the business into a low risk pension. Basically what I am asking is, is it possible to put the money in to a low risk pension, availing of the tax relief, and take the tax free money out at 60, paying the tax on it...

My accountant says that the surcharge will kick in if I don't take money out of the account by the end of 2019

I can't touch it till 60. It's a preserved pension. Incidentally, Two years ago, I was offered a transfer value to walk away with but I didn't proceed with it, as it looked to me like they were selling me short

Many thanks for the response. I worked for a major bank for 30 years, as a permanent employee. I build up a half final salary pension. Then I took redundancy. I am now contracting to the same bank for the last three years, as a daily rate contractor, through a limited company. I can't do AVCs to...

I am in the enviable position of having 70k in my business account. If I take the money out, I'll pay 35k in tax. My accountant advised me to put it into a pension fund, but I have plenty of pension provision already. Is there a way I could put this money into an ARF that I can take out tax free...

If I buy back UK pension years, even though I left the UK, and am paying for an ROI stamp for the SAME years, will I be entitled to a full Irish and UK pension?

Yes I do. RedOnion

Hi. I worked for a major bank for 31 years and left on voluntary redundancy 5 years ago. 2 years ago I got back in as a contractor, and there have been no further pension contributions. My preserved pension is worth 30k a year, payable at 60. I'm currently 53. My contracting savings are...

An unprompted qualifying disclosure is where you tell revenue there might be a problem, before they audit you. They will hit you with interest and smaller penalties of 10% (I think). If you said nothing and we're fully audited, the penalty climbs to 100%. You're doing the right thing at the minute

The elephant in the room is super inflation versus a set pension payout. If the government ever go the route of Sean A Lemass, you could have huge wage increases versus a static deferred pension, that is going down in value. Hopefully it won't come to that. The EU don't want super inflation

I always assume a life expectancy of 30 years after retirement, being optimistic, so would say that your TV value should be 450k. I was offered 700k as an enhanced transfer value out of my defined benefit, which stands at 30k a year from 60. My accountant said the offer should have been north of...

When filling in the CF83 form, do you have to include references that support what you have been working at since you left the UK? If my wife was PAYE and self employed since she left the UK, how would she prove that?