world201812
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I’ve seen in previous posts, people say ‘I advise PS to get a PRSA-AVC from a discount broker, same funds, lower fees’, is there a list of these/costs/where to go? Thanks!
2. PRSA as AVC : This appears to specifically apply to public servants like me only?
- On the AVC, it can be taken as tax free gratuity or taxable lump sum at what age? Booklet doesn’t say.
Which is better for me as late entrant to public servant, hoping to retire earlier than 68 or 70, in mid-50’s?
If someone had 20 years service, at circa 49k a year, and was 13 years shy of 68 and standard retirement age, what sort of benefits could they get, under cost neutral early retirement.
Where can I find more info about this low fee prsa product, am in public sector but will not have full pension at 65 due to worksharing, am now 55. Any advice?There's a list of 'investment' discount brokers here.
The only 'pension' discount proposition that isn't on this page (that I'm aware of) is www.prsa.ie , which I own.
It's an execution only service and the products are underwritten by Zurich Life - none of the pension products have contribution charges (or exit penalties) and, for AVC - PRSA, the annual management charge is 1%. There's no additional fee/s for setting up a PRSA/Pension.
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