News

Changes in the State Pension

Tony Gilhawley FSAI Director, Technical Guidance Ltd. 01/02/2019 The Government announced in January 2018 a new alternative test for the State Pension, called the Total Contributions Approach or TCA. If this test gives a higher pension than the average test for those qualifying for the State Pension from 1st September 2012 onwards, they get the […]

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7 WAYS TO GET THE BEST MORTGAGE DEAL AND SAVE THOUSANDS

Find out how a €100,000 mortgage over 20 years could yield a saving of up to €17,000 for you !!! 1. Don’t wait until the last minute, it takes time to switch a mortgage. Once you get an approval you can switch at any time within six months 2. If switching weigh up the cost […]

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What are Additional Voluntary Contributions & Top 4 reasons to make them.

What are Additional Voluntary Contributions? Additional Voluntary Contributions or AVC’s are extra savings that you can make towards your pension Top 4 reasons to make AVCs 1) Enhance your retirement benefits Increase your expected tax-free lump sum at retirement. This is potentially 25% of your retirement fund, if you are a member of DC company […]

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Inheritance Planning

Capital Acquisitions Tax still a real issue for your clients? There may be a perception that, given the recent reduction in estate and asset values, the need to plan for Capital Acquisitions Tax has gone away. If you look at some of the underlying facts, however, the truth is very different. Revenue reported that, in […]

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Investing in Cash & inflation Risks?

As you may be aware deposit rates have fallen sharply in recent times and are expected to remain low for the foreseeable future. In times such as these, it is worth noting that your savings are being eroded by inflation. What is inflation? Inflation is a sustained rise in overall price levels over a period […]

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Pensions Article – Sunday Times: by Samantha McConnell

Future is bleak unless brave action is taken on Pensions Last year will, I believe be seen as a watershed for pensions. It signalled the beginning of the end for many defined benefit schemes, with the reintroduction of the funding standard against a harsh economic and market backdrop. The European Court of Justice decided the […]

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