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    Has anyone any opinions on the BlackBee Healthcare fund?

    No, it is not an offsetable investment. It is impossible to follow the structures of these companies. Investors go into it thinking they are investing with Blackbee. It is only when things go wrong that they discover that there are numerous of different companies in place and it is difficult...
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    Most tax-efficient pension pot and payout to aim for?

    100%. I don't understand why people would want to have less money to do things in retirement so that they beat the tax man. This takes the tax tail wagging the dog to a whole new level!!
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    BOI sells mortgage of my deceased brother to Mars Capital

    Do not put yourself under stress or financial pressure to hold onto the house. If it is not in good repair, it will cost you even more money to get it up to date. And what will you do with it then? Rent it out to strangers? Or else you will do nothing with it and it will end up in an even worse...
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    Paying too much to get 40% relief?

    Yes, you get 40% tax relief on the portion that is taxed at 40% and 20% on the rest. What is best? What is your goal? To make absolute best use of your tax brackets or provide yourself with the biggest pot of money possible in retirement? Steven www.bluewaterfp.ie
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    Can an employee dictate who the pension provider is?

    Yes, life companies make a lot of money off large funds. But it takes them 6-7 years to break even on pension plans. Look at Ger's average pot of €1,500 in fees at maturity. It had to start at some point and the life company received a few of euro in fees. Even someone who has €1m in their...
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    Can an employee dictate who the pension provider is?

    They have to sign off on each application. The administrator has to ensure payments are made to each provider, so higher fees charged. Bigger schemes are completely administered by the admin companies such as Mercer, Unio etc (I doubt they are involved in this case) with the life companies just...
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    Can an employee dictate who the pension provider is?

    No. u From an employer point of view, imagine trying to administer a "scheme" where everyone got their own individual plan. The 99.275% allocation may be because the total going into the scheme is quite low. Or it could be because the advisor fees are being paid for by the members. If it is...
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    House Rich, Cash Poor, Low Income Retirement Plan Advice

    You need a bigger income. You can't expect to have a pension fund, your own house and holidays etc when you earn €9,500 a year. You should get a job that will generate a higher income. As Brendan pointed out, you'd get over 2.5 times your current income on the minimum wage. You can do your other...
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    Estate agent fees in Dublin

    1.5% is the going rate as far as I am aware (6% in the US :oops:...but then, they don't have deemed disposal over there :rolleyes:). You would have no chance of them reducing their fee on a property worth €310,000. I remember speaking to an estate agent who said there was no chance of him...
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    DeGiro Financial Complaints Query

    And therein lies another risk of going with a low cost online broker in another jurisdiction...
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    Permissible contributions

    apologies, a bit missing from my sentence. It'll be decades before it gets to any decent level of contribution to make it meaningful level. 1.5% of salary will never provide a decent pension. But we have to start somewhere. The other option is not doing anything at all. I don't know how far...
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    wealth management dot ie

    Looks like a scam site or at best, an unregulated investment company
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    Permissible contributions

    She should take the employer contribution while it is on offer. It is still unclear but it looks like a PRSA AVC will have to be set up for any AVC payments. It will be years/ decades before the auto enrollment. The Australian model which has been around since the 80's, is an 11%...
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    Gift From Ltd Company.

    A quick google search
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    Shopping around for an ARF

    You do know it doesn't work that way? Hey Nike store, my wife and kids love Nike. They have tons of Nike gear. Bought it all in Lifestyle mind. Can I get a discount?
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    Mortgage protection - mental health questions

    Nothing to do with HSE employees. It is not yours, it is the trusts for your benefit. You cannot give a lender priority over it. and why would a bank accept it anyway? If you left your job, you lose the benefit.
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    Mortgage protection - mental health questions

    No it won't. Death in service benefit is written under trust and can't be assigned. The issue happened 17 years ago and you have no history since. You will have to disclose what happened, give as much detail as possible. The life company will probably look for more details from a medical...
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    Increase in Davy Pension fees (from May 1st 2024)

    I'd say they looked at the self directed PRSA space and the price increases. ITC's LEAP ARF starts at 3% and goes down to 1% on amounts over €200,000. Self directed pensions were always for bigger accounts, there was a lowering of thresholds over the last 7-8 years. These providers are in...
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    Revenue Paper Tax Return Forms.

    The Revenue want everyone to do their returns online. There is still a facility to complete the paper form. Your elderly relative has to adapt a bit too. It is unlikely they will get a book like form. They will have to accept that. Freelance offered to post them out to you. Take them up on the...
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    Revenue Paper Tax Return Forms.

    Go to a print shop and ask them to print you off copies and pay for them. Or ask a friend with a printer to print them off for you. Surely there is someone you know with access to a printer, either at home or at work?
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