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    Life Life policy query

    Could there be an Annual Management Charge (AMC) taking up the profits perhaps? If it was in Equities it would have skyrocketed in the past decade but in the much lower returning assets like Bonds or Cash (if anything cash is just Cannibalised money over the long term due to inflation) then an...
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    AVC's for public sector pensions.

    I'm Public Sector and have a non-standard PRSA AVC that was set up via my employer and their chosen intermediary. . . I don't like the fee structure though 1.5% and then a 98% allocation rate. 1% AMC then 0.5% to Intermediary and then the 98% allocation rate. The upside is they take the...
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    Single Scheme Pension

    I'm Public Sector and have a PRSA AVC that was set up via my employer and intermediary. . . I don't like the fee structure though 1.5% and then a 98% allocation rate. 1% AMC then 0.5% to Intermediary and then the 98% allocation rate. the upside is they take the contributions directly from my...
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    Paying Irish tax on US dividends

    Hi, Hi, Yes I had to do the exact same thing this week for miniscule 2019 US dividends, Have not figured out how to actually Pay it yet though. I'm presently tearing my hair out trying to fill a CG1 form to account for losses in 2019. What fields are necessary and what aren't? It's a...
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    Best value Self-Directed AVC PRSA for a 10-15K lump sum?

    Did anything further come of this? I'm in an AVC PRSA and ALL I want to do in the world is have it self-directed through Zurich into the S&P 500 (VUSA) ETF. . . . That's it! I don't want any other advice or other ETF's. . . I just want That. . . Is that possible? Can that be done?
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    Tax on Sale of Shares, and Dividend Income - Companies Outside of Ireland (not ETFs)

    If you are a PAYE employee as opposed to self-employed so Class A for tax then I read that you owe no PRSI uness your investment income is over 5k annually and the 4% kicks in over 5k.
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    Are ETF's worth it considering Deemed Disposal?

    Thanks Mate, I'll give that a read now!
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    Are ETF's worth it considering Deemed Disposal?

    Hi, So looking at Vanguard S&P 500 (VUSA) via Degiro. . . The more I read on here the less I'm convinced it or any ETF is worth having, considering the Deemed Disposal rule here in Ireland. It sounds like over the LONG term this could be a Massive burden. If the investment grew Substantially...
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    AVC options for new Public Servant

    Happy to find this, yes I'm in a similar situation myself in the Single Public Sector Pension Scheme. Presently in the cooling off 30-day period having started a PRSA-AVC but a little worried that it means I'm stuck in it till 68 (I'm 32 now) without having access to it.
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