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