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  1. J

    Contributory pension married couple

    I'm a couple of years out from reaching the state retirement age and have paid PRSI for over 40 years. Given employee and employer contributions, the amount paid over the years comes to hundreds of thousands. In return I've claimed the occasional dental check up and little if anything else...
  2. J

    Deferred db scheme

    So is it always at the discretion of the scheme trustees whether or not they offer a TV at any given time? Or will the rules of individual schemes determine this?
  3. J

    Deferred db scheme

    Can they leave this decision until just before they retire? In other words retain the DB benefit and get a TV in theory the day before retirement age 60. If that can be done are you not now in the best position to make an informed decision?
  4. J

    Capital/Monthly Repayments on Tracker Mortgage

    I had/have an interest only (tracker @ 0.95%) mortgage for €260,000 with my bank which had a redemption date of 31st August 2018. The bank didn't contact me to say the capital was due to be repaid and when I contacted them a few days before the redemption date they advised me that the...
  5. J

    Tax Free Lump Sum Entitlement at Retirement

    Any of the professionals on here have a view on this?
  6. J

    Tax Free Lump Sum Entitlement at Retirement

    Here’s my scenario: I have a Buy Out Bond from an early employment. I also have a deferred pension from my second last employment. When I was being made redundant from this role I took the maximum tax free redundancy by waiving my entitlement to a Tax Free lump sum at retirement (i.e. by...
  7. J

    Pension/Investment Charges

    Read a piece the other day (The Money Advisers web site) that claimed insurance companies are under reporting fund performance. "I suspect the life company is under-reporting fund returns or not declaring the true cost of fees associated with running the fund. By that I mean that the rate of...
  8. J

    Take Enhanced transfer value?

    Are you suggesting that it's in the members interests to remain in the scheme because any future TV is somewhat protected by the Omega case? Is the Omega ruling that significant? What would happen to TVs if deferred benefits were severely reduced as in the INM case? Would the Omega ruling...
  9. J

    Take Enhanced transfer value?

    Is this not a real chicken and egg situation? How do you make an informed decision on taking a TV versus remaining in the scheme? Scheme is meeting minimum funding requirements according to OP yet an enhanced TV is being offered. Yet who knows what condition the scheme will be in by the...
  10. J

    VHI VHI Claim

    Hi Looking for a view here. I was insured with VHI until December 2014 and in May 2013 I incurred medical expenses of €300 that were covered under my policy. For various reasons I only got around to making a claim recently and VHI has written back to me rejecting my claim stating "the time...
  11. J

    Standard Life UK Smaller Companies & Standard Life Property Fund

    Thanks for the reply SBarrett (minus any condescension!). Appreciated. Your last sentence probably tells me all I need to know.
  12. J

    Standard Life UK Smaller Companies & Standard Life Property Fund

    I'm already invested in both funds and have been for several years. I've probably decided to move out of UK Smaller Equities to other equity markets as I think global equities generally will outperform UK equities. And in light of everything, is UK commercial property the place NOT to be in a...
  13. J

    Standard Life UK Smaller Companies & Standard Life Property Fund

    Hi Looking for a general steer here. I'm invested in both of these funds and am wondering what the general wisdom is out there in light of Brexit etc. 1) I have a 2 year time frame when I may need to cash a sizeable chunk of my property fund investment. 2) my timeframe for my UK Smaller...
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