Pensions & Retirement

The trouble with retirement is that you never get a day off.

Pensions are an extremely tax efficient way of saving. You can get tax relief on your saving at the marginal rate of tax; funds accumulate tax-free until retirement and you can get a percentage of your fund tax-free at retirement.

  • Pension Term

    Pension Term Protection is life insurance that covers the period of time up until retirement.

  • Personal Pension Plan “PPP”

    A PPP is a long-term investment that aims to help you build up a pot of money.

  • Personal Retirement Savings Account “PRSA”

    Both the holder and there employer may make contributions into the PRSA.

  • Personal Retirement Bond “PRB”

    A PRB is also sometimes known as a Buy-Out-Bond

  • Approved Retirement Fund “ARF”

    With ARFs, you re-invest your pension fund and take the money out when you need it.

  • Annuity

    An annuity is what many people commonly refer to as a pension.

  • Company Pension Plans

    Providing your employees with access to a Company Pension scheme is essential if they are to enjoy a comfortable life in retirement.

Talk to us today

Talk with one of our senior pension advisers at Smart Financial to see what pension options are suitable for your needs.

Got any questions?

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