– Saving & Investing For the future
We all have different attitudes to savings and investments and we all have different risk profiles.
There are many ways to save money. In different funds for instance, offering varying degrees of projected returns and corresponding risk. This can sometimes be confusing.
At Colm Dunne (Financial Broker) you can avail of 100% Capital Security on your savings and Investments, if that is what you require.
If you have a LUMP SUM to invest, or are considering an Education fund for your Children or want to start a Regular savings plan for yourself then contact us today for a chat or a FREE no obligation financial review at a time that suits YOU.
Wealth Management / Investments
At Colm Dunne (Financial Broker) we are acutely aware that your Financial Security deserves the best possible advice on investing your hard earned money. We can advise you on the best investment products available, and working together, we provide a thorough understanding of the key factors such as risk and the likely return on your investments – in fact we investigate all the issues that need to be considered to ensure that you get the best results/returns from your investments.
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Personal Pensions
P/P’s allow you to build up a pension fund to provide an Income in retirement at any time between the ages of 60 and 75. They are available to Self-employed people and Employees who are in non-pensionable employment.
TAX RELIEF is available on contributions at the highest rate, and there are limits on the percentage of your earnings that can be invested in the pension, and the tax relief that can be obtained.
There are a wide range of products available in the market place with different fund choices and charging structures. This can be confusing to the person seeking advice.
We would be happy to provide Professional Advice as to which product would be most suitable for your circumstances. Our calculator will also help you understand the sometimes complicated area of pensions in general.
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Group pension scheme
A group pension scheme is available to Employers with generally five or more employees. Employers can claim TAX RELIEF on contributions against Corporation tax liabilities and Individuals can claim tax relief at their highest rate. Many employees expect a group pension scheme to be available when considering new job opportunities. Generally contributions are based on a fixed percentage of salary, thus reducing administration, in that all employees will pay the same percentage of salary on-going. Employees can also make additional contributions from salary if they so wish in the form of A.V.C.’s.
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Personal Retirement Savings Account (PRSA’s)
A PRSA is a long-term Personal retirement account designed to enable you to save for retirement in a flexible manner. (This is especially important for people with no pension provision). Your PRSA is a contract between you and a PRSA provider in the form of an investment account. PRSA’s allow you to change employment and continue to use the same PRSA. You can also switch from one PRSA to another at any time, Free of Charge. Tax RELIEF based on your age will be given by the Government for the contributions You pay into your PRSA.
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