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10 reasons to invest in a pension

This time of year self-assessed individuals are reminded of the fast approaching deadline for filing their end of year tax returns. This also presents an opportunity for pension planning and tax avoidance which can go hand in hand. There are the obvious three tax reasons for pension planning when it comes to the tax effect. The Pensions Taxation System is often expressed as Exempt, Exempt, Taxed (or EET) referring to the fact that:- Contributions are exempt from tax i.e. tax deductible Read More »

‘Retirement Rut Ahead’

‘WARNING: RETIREMENT RUT AHEAD’ If we needed a road sign to tell us something important about what lies ahead for the majority of our retirements, it would read simply ‘Warning: Retirement Rut Ahead’. Rut can give the meaning of furrow or pothole! It’s defined as a fixed or established mode of procedure or course of life, usually dull or unpromising. That is worryingly what is facing the majority of workers in Ireland today. Let’s remind ourselves what we all want in retirement. Here Read More »

Cash Flow planning – 10 benefits to planning your cash flow

There are copious amounts of great material on Investopedia, a most useful resource on the world of finance. I thought it would be useful to begin this piece with a reminder of what a trusted definition of cash flow is:-   INVESTOPEDIA EXPLAINS 'Cash Flow' In business as in personal finance, cash flows are essential to solvency. They can be presented as a record of something that has happened in the past, such as the sale of a particular product, or forecasted into the future, Read More »

Auto Enrollment for pension is coming soon

Ireland continues to have a low rate of pension plan take-up with pension coverage in the private sector at just 40% and Tánaiste Joan Burton has recently announced that a Universal Retirement Savings group will now start developing a roadmap and timeline for the introduction of a new pension scheme for all workers in Ireland. The plan will see the project reviewed by Government before  the end of 2015. The government can see evidence that this will be favoured by a majority of workers Read More »

‘Low for Longer’ Investment outlook forecast by Blackrock

Whether you are a regular saver, a lump sum investor/depositor, a worker building your pension fund for retirement, a stock investor, a property investor and possibly some or all of the above, Blackrock’s Investment outlook for 2014 entitled "Squeezing out more juice" is full of knowledge. It gives a deeper understanding of what factors are at play in the global recovery. It also sets out the 5 key players (US, Europe, Japan, China and UK); the actions they are taking, the key risks and Read More »

The Pension Bridge to a low risk retirement.

The OECD published their review of the Irish pension system last week. It highlights a number of risks facing Ireland's population, not least an increase in old age poverty in Ireland. The principal risks are flagged by the recommendations for Ireland of at least an auto-enrollment pension scheme arrangement (with an opt out) or a mandatory pension scheme. Why? Because too few Irish workers have pension plans (National Household Survey 2009 recorded 54% pension coverage), and of those who do, Read More »

9 Good reasons to consider a Buy-out-Bond (BoB) when changing employments.

Gone are the days when a job for life is the norm, and gone are the days when we can all look forward to a state pension at 65. The movement in the employment market and the onus on us to manage our retirement plans has never been greater. Compulsory redundancies, people unafraid to follow their dreams and leave a ‘secure’ job to become self-employed or simply move jobs to become more fulfilled is now normal for many. The movement in employment has brought with it the 'parking' of accumulated Read More »


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