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  • Saving for your Pension - RaboDirect.ie
    but there are limits on the maximum relief you can get on all pension contributions you pay in 2012 related to your age and your earnings Your age in 2012 Maximum of your earnings Up to 29 15 30 39 20 40 49 25 50 54 30 55 59 35 60 and over 40 The maximum level of earnings you can taken into account is 115 000 If you pay and file your tax using ROS you may be able to backdate a pension contribution you pay before 15th November 2012 to last year for tax purposes Check with your accountant or tax adviser first to see if this is possible for you Making your money grow As Einstein had noticed it s the long term investment growth that really makes a difference It s the same with your PRSA For example if instead of earning 4 pa over 25 years you could earn 5 pa your pot would be 16 bigger So getting just a 1 pa higher return over a long period makes a real difference to your pension PRSAs have to invest your money in a pre selected range of funds called a default investment strategy but you can opt out of the default if you want to and select your own investment fund Most PRSA companies offer a wide range of international investment funds managed by large investment firms Some also offer a facility to run your own fund where you pick the individual investments This is usually referred to as a self invested fund or SIF for short Given volatile investment markets of recent years most PRSA providers now offer a range of more secure investment funds where you won t be fully exposed to the thrills and spills of the stock market Just remember over the long term investing safely is likely to lead to lower returns How to contribute If you work for an employer who does not include you in a pension scheme your employer must provide you with access to at least one PRSA In this case you can contribute by deduction from your wages In this way you get income tax relief straight away In other circumstances you will pay direct to the PRSA company of your choice either by cheque or regular direct debit You can claim back the tax relief through your income tax returns Charges Charges have the opposite effect to investment growth they reduce your pension pot So you obviously want to pay to pay the lowest charges you can There are two types of PRSAs a Standard PRSA and a non Standard PRSA Standard PRSAs cannot charge you more than 5 of each contribution you pay in and take no more than 1 pa from your pot Non standard PRSAs can have higher or lower charges than this it can vary from one type of PRSA to another and from one PRSA company to another Before you sign up for a PRSA you should get

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/pension-blog-tony-gilhawley.aspx (2016-02-16)
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  • life insurance companies offering a full range of Pension Investment and Protection products Their investment team based in Blackrock Co Dublin is responsible for funds under management of approximately 15 1 billion of which pension assets amount to 8 1 billion Zurich Life is committed to the provision of excellent customer service They have won a number of industry service awards including the Professional Insurance Brokers Association Broker Service Award of Excellence eight times in a row and the Irish Brokers Association Service Excellence Award fourteen times More about Zurich Life One of Ireland s most successful life insurance and pensions companies Well recognised and awarded for their fund and pensions management Have a commitment to excellent customer service Provide regular access to account information Zurich Life is a member of Zurich Insurance Group Zurich a leading multi line insurance provider with a global network of subsidiaries and offices in Europe North America Latin America Asia Pacific and the Middle East as well as other markets Zurich employs about 60 000 people serving customers in more than 170 countries Zurich formerly known as Zurich Financial Services Group is headquartered in Zurich Switzerland where it was founded in 1872 Zurich employs over 1 000 employees across its businesses in Ireland For more information about Zurich visit www zurichlife ie Service access and Contact Details Zurich Life provides regular online access to account details investment returns and contribution history Zurich Life Zurich House Frascati Road Blackrock Co Dublin Access to the secure area of the Zurich Life website is normally Monday to Friday from 08 00 to 19 00 and 19 45 to 24 00 The site may also be available at the weekends Zurich Life Assurance plc is regulated by the Central Bank of Ireland Warning Past performance is not a

    Original URL path: https://www.rabodirect.ie/more/prsa/zurich-life.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/prsa/this.href, (2016-02-16)
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  • Frequently Asked Questions 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

    Original URL path: https://www.rabodirect.ie/more/prsa/whats-right-for-me.aspx (2016-02-16)
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  • Apply online for a PRSA Pension today – RaboDirect Pensions Ireland
    Blog Check it out Open Account Log in Home Open an Account Open a PRSA Choose an Option Option 1 I m a Self Employed Individual or a Proprietary Director Case Study Apply now Option 2 I m an Employee or Director not in an Occupational Pension Scheme Case Study Apply now Option 3 I m an Employee or Director in an Occupational Pension Scheme including State Employees Superannuation Scheme

    Original URL path: https://www.rabodirect.ie/open-account/prsa.aspx (2016-02-16)
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  • RaboDirect - Open an investor account
    problems FAQs PRSA Pension Why Compare How it s invested At retirement How to apply PRSA fees FAQs The Blog Check it out Open Account Log in Home Investments Investing with us Open a investor account How to open an Investment Account Existing Customer If you re saving with us already you can set up an investment account in a few minutes from your secure account All the prompts you need are right there but you can of course give us a buzz if you d like a helping hand getting started Login and setup Investment Account New Customer If you re not a customer already you ll need to open a RaboDirect Savings Account first we ll use this to fund any investment purchases you make Open a a savings account Warning Past performance is not a reliable guide to future performance The value of your investments can go down as well as up If you invest in this product you may lose some or all of the money you invest Some investment funds may be affected by changes in currency exchange rates Need help Why not give us a call 1850 88 22 44 Mon Fri 8am 7pm

    Original URL path: https://www.rabodirect.ie/investments/experienced-investor/open-investor-account.aspx (2016-02-16)
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  • and click on Notice Saver and then Open Account You ll be taken to an overview of each of the products on offer Choose either a Notice Saver 30 or Notice Saver 90 by clicking on Open an Account On the next screen you ll see that your RaboDirect Notice Saver IBAN and BIC are prefilled With the introduction of SEPA on the 9th of September 2013 your Account Number is now known as IBAN International Bank Account Number and your Bank Sort Code is known as BIC Bank Identification Code Now all you need to do here is input a reference or description for your own records this is optional by the way and before going ahead make sure you understand the details around the RaboDirect Notice Saver Accounts and click to confirm that you ve read the general Terms and Conditions of RaboDirect and our Terms of Business Login New customer To open a RaboDirect Notice Saver Account with us simply indicate that you wish to do so when completing your online application form to open a RaboDirect Savings Account with us either business or personal Gather all the necessary documentation together and pop everything off to us

    Original URL path: https://www.rabodirect.ie/open-account/open-business-notice-saver.aspx (2016-02-16)
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  • s invested At retirement How to apply PRSA fees FAQs The Blog Check it out Open Account Log in Home Open an Account Open a Business Term Deposit Open a Business Term Deposit Existing customer If you re an existing Business RaboDirect customer simply click on the New Term Deposit button in the left hand navigation within your secure account It takes less than two minutes to open a Term Deposit account as a new customer Simply follow the steps outlined Secure login New customer To open a Term Deposit account with us you first must open an On Demand Business Savings Account But that s really easy to do You ll simply fill in the online application form relevant to your business Each application form comes with a document checklist Then gather the necessary documentation together and pop everything off to us at our FREEPOST address If we have all the necessary documents we need and everything is in order your account should be open within 5 working days and you ll then be in a position to open your Term Deposit account Go on give it a go Apply now Need help Why not give us a call

    Original URL path: https://www.rabodirect.ie/open-account/business-term-deposit.aspx (2016-02-16)
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