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  • The Blog Check it out Open Account Log in Oops We re the straight talking savings bank so we ll get straight to the point you have experienced an error The page you are trying to access is temporarily unavailable or may no longer exist Please accept our apologies for the inconvenience You can select one of the following links or you might like to try again soon Open Account

    Original URL path: https://www.rabodirect.ie/about/no-sneaky-stuff/this.href, (2016-02-16)
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  • The Blog Check it out Open Account Log in Oops We re the straight talking savings bank so we ll get straight to the point you have experienced an error The page you are trying to access is temporarily unavailable or may no longer exist Please accept our apologies for the inconvenience You can select one of the following links or you might like to try again soon Open Account

    Original URL path: https://www.rabodirect.ie/more/this.href, (2016-02-16)
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  • The Blog Check it out Open Account Log in Oops We re the straight talking savings bank so we ll get straight to the point you have experienced an error The page you are trying to access is temporarily unavailable or may no longer exist Please accept our apologies for the inconvenience You can select one of the following links or you might like to try again soon Open Account

    Original URL path: https://www.rabodirect.ie/more/online-security/this.href, (2016-02-16)
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  • The Blog Check it out Open Account Log in Oops We re the straight talking savings bank so we ll get straight to the point you have experienced an error The page you are trying to access is temporarily unavailable or may no longer exist Please accept our apologies for the inconvenience You can select one of the following links or you might like to try again soon Open Account

    Original URL path: https://www.rabodirect.ie/more/help/show-and-tell/this.href, (2016-02-16)
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  • Personal Savings FAQs
    accounts and persons covered on the website of the Dutch Central Bank b Dutch Investor Compensation Scheme Under the Dutch Investor Compensation Scheme Rabobank must keep all investments in funds purchased by customers separate from the assets of the bank This means that if Rabobank goes out of business each customer remains fully entitled to that customer s fund investments although in that event Rabobank would need to be instructed to transfer the fund investments to another broker or bank In the unlikely event that a customer s fund investments are not identifiable anymore and have become part of the Rabobank bankruptcy estate the Dutch Investor Compensation Scheme may apply If Rabobank is unable to meet its obligations to customers who have invested in funds the Dutch Investor Compensation Scheme guarantees an amount up to 20 000 per person per institution provided that customer is not a professional investor Please note that a customer cannot get compensation for any loss caused as a result of a fall in the value of an investment You can read more about the Dutch Investor Compensation Scheme and the claims and investors covered on the website of the Dutch Central Bank c How can I apply If Rabobank goes out of business the Dutch Central Bank will start the compensation process Certain information is available on the website of the Dutch Central Bank in relation to the Dutch Deposit Guarantee Scheme and the Dutch Investor Compensation Scheme The Dutch Central Bank will for example announce how you can apply for compensation Parts of its website are also available in English d Which RaboDirect customers may benefit from the Dutch Deposit Guarantee Scheme and the Dutch Investor Compensation Scheme Subject to very limited exceptions and to the rules of each scheme in the unforeseen event that Rabobank enters bankruptcy the following types of RaboDirect customers can apply to the Dutch Deposit Guarantee Scheme and the Dutch Investor Compensation Scheme 1 personal customers 2 sole traders 3 partnerships 4 companies who satisfy at least two of the following conditions a a balance sheet total that does not exceed 4 400 000 per year b a net turnover not exceeding 8 800 000 per year and c a workforce not exceeding 50 people in the financial year How does the Deposit Protection Scheme work For a single customer with a total balance up to 100 000 that customer would be reimbursed the full balance up to 100 000 under the Deposit Guarantee System For a single customer with a total balance of 50 000 that customer would be reimbursed the full amount under the Deposit Guarantee System For two people with a joint account a total balance of 200 000 50 of that balance would be attributed to each person i e 100 000 and each would be reimbursed 100 000 under the Deposit Guarantee System For two people with a joint account with a balance of 250 000 50 of that balance would be attributed to

    Original URL path: https://www.rabodirect.ie/personal-savings/on-demand/faqs/personal-savings-faqs.aspx (2016-02-16)
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  • and remain invested If you remain invested it will be eight years before you d be required to make the next tax payment If the investment hasn t increased in value or has decreased no tax will be due and there s no action required on your part If there are gains and tax is due whatever you pay is available for credit against the tax liability when the investment is ultimately sold off We just ask you bear the rule in mind as it s the individual investor s responsibility to make any necessary Revenue returns We can t tax at source Unfortunately none of the funds on our platform are within the tax at source regime and it s not possible therefore to collect or pay tax liability to the Revenue on the investor s behalf As a result self assessment is required Why are RaboDirect funds taxed differently to some other Irish funds The funds on our platform are Undertakings for Collective Investments in Transferable Securities UCITS A UCITS is a type of fund structure that s sold within the European Union Most funds available on our site are Luxembourg based SICAVs For these funds investors must self assess themselves for Irish tax in respect of any profit made on sale or on the 8th anniversary of the investment And it s each investors responsibility to make the necessary timely returns to the Revenue to take advantage of any tax benefits they can Three of the funds on our platform are Irish UCITS which are usually taxed at source That means the fund administrator collects and pays over any tax liability to the Revenue on behalf of the investor There are however a number of exceptions to the rule and one of these is where the funds are held in a recognised clearing system The units in the Irish UCITS offered by RaboDirect are held in a recognised clearing system In a clearing system the details of the underlying investor customer are not available to the administrators for the purpose of making tax deductions at source As a result the investor must again self assess themselves for Irish tax in respect of any increase in value on the investment at sale or on the 8th anniversary as described above Do I still pay tax if I sell out of one fund and buy another In short yes Investors are liable for tax on any increase in value from the sale of funds Each sale will have a separate tax consideration there are no discounts or exceptions for buying straight into another fund Are there any tax reliefs available to help offset my tax liability In the case of offshore funds investors will pay tax at 41 from the 1st of January 2014 provided they ve included the correct details with their tax return and made it by the 31st of October following the year in which the gain was made Investors can t offset gains made in

    Original URL path: https://www.rabodirect.ie/investments/investing-with-us/taxation-faq.aspx (2016-02-16)
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  • The Blog Check it out Open Account Log in Oops We re the straight talking savings bank so we ll get straight to the point you have experienced an error The page you are trying to access is temporarily unavailable or may no longer exist Please accept our apologies for the inconvenience You can select one of the following links or you might like to try again soon Open Account

    Original URL path: https://www.rabodirect.ie/more/help/faqs/this.href, (2016-02-16)
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  • Start this PRSA option today Case Study 2 I m an employee or director not in an Occupational Pension Scheme If your employer or company doesn t provide a pension scheme then making your own plans for retirement by saving or investing is really important and you ll get generous tax incentives from the State to help It s a little like a savings plan with more advantages You ll get help from the State through tax relief subject to limits on your contributions No taxes are due on the gains made by your investments You ll get a tax free lump sum when your plan matures And you can use the balance to provide a long term income Your employer will arrange payment Your employer s required by law to provide you with a salary deduction facility to make contributions to at least one Standard Personal Retirement Savings Account PRSA That means you can contribute to a RaboDirect PRSA by direct debit from your bank account on a monthly basis or make one off payments Whatever s affordable and works for you You ll get help from the State too If you pay into your PRSA using salary deductions you ll be entitled to Income Tax relief on your contributions subject to the normal revenue limits which really helps make the savings plan more affordable and keeps your contributions working hard FAQ s Start this PRSA Option today Case Study 3 I m an employee or director in an Occupational Pension Scheme including State Employees Superannuation Scheme If your employer already makes pension contributions on your behalf you re well on your way You just need to be sure the benefits will be enough to see you through your retirement comfortably particularly if you aim to retire earlier before your scheme s normal retirement age kicks in The State will help Making extra provision through a plan of your own could make a lot of sense and can be arranged by setting up a PRSA on an Additional Voluntary Contribution basis It s known as a Standalone PRSA AVC and you ll get generous tax incentives from the State to help make the most of your contributions including Income Tax relief subject to the normal revenue limits It s a little like a savings plan with more advantages You ll get help from the State through tax relief subject to limits on your contributions No taxes are due on the gains made by your investments You ll get a tax free lump sum when your plan matures And you can use the balance to provide a long term income Contribute what you like when you like You can make contributions by direct debit on a monthly basis from your bank account or making one off cheque payments whenever you can afford it Whatever works for you Frequently Asked Questions Start this PRSA Option today Can RaboDirect help me I am Your options with RaboDirect Self Employed a Proprietary Director

    Original URL path: https://www.rabodirect.ie/more/prsa/what-is-a-prsa.aspx (2016-02-16)
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