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.
Pension Term Assurance
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 their employer may make contributions into the PRSA.
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.
Approved Retirement Fund “ARF”
With ARFs, you re-invest your pension fund and take the money out when you need it.
An Annuity is a simple retirement payment option that guarantees to pay you a particular amount every month throughout your life in retirement.
Additional Voluntary Contributions “AVCs”
Additional Voluntary Contributions, or AVCs, are extra contributions you can make in addition to your existing company pension.
An Executive Pension is designed to help employees, company owners or company directors save for their retirement.
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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