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.
Contact your Smart Financial Advisor today to find out which Pension options are suitable to your needs.
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Pension Term Assurance
Pension Term Protection is life insurance that covers the period of time up until retirement.
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Personal Pension Plan “PPP”
A PPP is a long-term investment that aims to help you build up a pot of money.
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Personal Retirement Savings Account “PRSA”
Both the holder and their employer may make contributions into the PRSA.
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Personal Retirement Bond “PRB”
A PRB is a personal policy that is set up by trustees of a pension scheme to provide retirement benefits for a former member of the scheme.
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Approved Retirement Fund “ARF”
With ARFs, you re-invest your pension fund and take the money out when you need it.
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Annuity
An Annuity is a simple retirement payment option that guarantees to pay you a particular amount every month throughout your life in retirement.
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Additional Voluntary Contributions “AVCs”
Additional Voluntary Contributions, or AVCs, are extra contributions you can make in addition to your existing company pension.
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Executive Pension
An Executive Pension is designed to help employees, company owners or company directors save for their retirement.
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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.
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