Pensions are an extremely tax efficient way of saving. You get tax relief on your saving at the marginal rate; funds accumulate tax free until retirement and you get a percentage of your fund tax-free at retirement.
You can do your saving personally, either through a personal pension, PRSA or AVC (free standing). Or you can save through a company, with an executive pension, company scheme or AVC (via scheme). Your Financial Broker can advise on the best options for your particular circumstances.
Having spent years saving your retirement fund, it’s worth spending a few hours with a Financial Broker discussing the best way of funding your retirement. For many, that will be the traditional annuity route i.e. income for life. Others may wish to explore post retirement investment through Approved Retirement Funds (ARFs). Either way your Financial Broker is expertly qualified to talk you through this choice and he can recommend the most appropriate course of action for you.
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