In this thread I have not made any reference to AVCs and occupational pensions. Conan's point, which I have not disputed.
My point was that it is possible to use a PRSA to avoid the excess tax charge and that it is possible to defer benefits from a PRSA beyond age 75. A fact which was being challenged as impossible and which is factually inaccurate.
It is possible, although it may not be possible in the circumstances of the original post which I believe is Conan's main concern.
I also stressed that getting to that solution may require additional and I stressed, convoluted planning. Which I believe is Gordon's argument expressed clearly above.
As a general observation, there is, in my view, a tendency on AAM for some posters to obsess about the original poster's question and any perfectly valid and relevant observations are frequently attacked by posters who seem to believe that the only valid responses in a thread are those that directly relate to a question posed by the OP irrespective of how interesting or valid the subsequent debate.
I for one have never held this view on AAM.
My point was that it is possible to use a PRSA to avoid the excess tax charge and that it is possible to defer benefits from a PRSA beyond age 75. A fact which was being challenged as impossible and which is factually inaccurate.
It is possible, although it may not be possible in the circumstances of the original post which I believe is Conan's main concern.
I also stressed that getting to that solution may require additional and I stressed, convoluted planning. Which I believe is Gordon's argument expressed clearly above.
As a general observation, there is, in my view, a tendency on AAM for some posters to obsess about the original poster's question and any perfectly valid and relevant observations are frequently attacked by posters who seem to believe that the only valid responses in a thread are those that directly relate to a question posed by the OP irrespective of how interesting or valid the subsequent debate.
I for one have never held this view on AAM.
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