Pensions Plans
Pension planning is the most efficient way of saving because in most cases the savings also qualify for tax relief. Pension plans centre around the need to save to provide for a pension in retirement or to enhance the benefits of a plan which already exists through employment or otherwise.
When we manage your plan we will arrange for;
- 100% investment of your funds (no entry fees)
- Low management charges
- Range of investment options to provide you with a tailored plan which meets your specific investment objectives and circumstances.
- Excellent Range of Fund Choices.
Options in Pensions
On retirement individuals have options on how their accumulated pension funds are used. The options can be briefly described below
1. A retirement lump sum; partial payment of the pension fund accumulated – tax free
2. An annuity ie a monthly pension payment. Options 1 and 2 can be combined.
3. Reinvesting your pension
4. Taxable cash lump sum payment
Option 1: Lump sum on retirement
- You can take part of your pension fund as a lump sum on retirement. You may be able to take some or all of this lump sum tax free.
- Everyone has the option to take 25% of the fund as a lump sum.
- The balance of the monies in the fund can then be used for one or more of the following;
- Buy a pension for life
- Invest in an Approved Retirement Fund (ARF) or Approved Minimum Retirement Fund (AMRF)
- Take as a taxable cash sum
- If you have a company pension you also have the option to take a lump sum of up to one and a half times your final salary, depending on the length of time you have actually been employed. The balance of your pension must be used to provide a pension for life.
- However if you have an AVC fund (additional voluntary contributions) can be used for one or more of the following:
- Buy a pension for life
- Invest in an Approved Retirement Fund (ARF) or Approved Minimum Retirement Fund (AMRF)
- Take as a taxable cash sum
You may be able to take some or all of your retirement lump sum without paying any tax. The maximum tax free amount you can receive is €200,000. Retirement lump sums between €200,000 and €575,000 will be subject to standard rate income tax (20% as at March 2012).
- Any retirement lump sums greater than €575,000 will be taxed at your marginal rate as income, the Universal Social Charge, PRSI (if applicable) and any other charges or levies ("tax") will also be applied.
- Both the €200,000 and €575,000 limits include all retirement lump sums you may have received since 7th December 2005.
Option 2: Annuity
An annuity is what many people commonly refer to as a pension. The most common option at retirement is to use your accumulated pension fund to buy an annuity from an insurance company.
This is a guaranteed income for the rest of your life. The amount of income you receive will be based on, among other things, your life expectancy at retirement - so will vary by retirement age and gender - and the size of your retirement fund!
Payments from your annuity are treated as income so you will have to pay income tax on it and any other taxes due at that time.
Option 3: Reinvesting your pension - ARF's
With certain types of pension plan you may be able to reinvest some or all of your pension fund in an approved retirement fund (ARF) and withdraw money as you want, depending on certain restrictions. All withdrawals are treated as income so you will have to pay income tax on them and any other taxes due at that time.
Option 4: Taxable cash sum
Depending on the type of plan you have, you may be able to take the rest of your fund, after the retirement lump sum, in one go. You will need to pay income tax on this.
Revenue limits; terms and conditions apply. It is important to note that tax relief is not automatically granted, and the level of tax relief is dependent on your tax position. You must apply to and satisfy the Revenue requirements. Your benefits at retirement may be subject to tax.
Warnings
- The Value of your investment may go down as well as up
- Past performance is not a reliable guide to future performance
- Your investment may be affected by changes in currency exchange rates
Philip O Reilly t/a Philip O Reilly Financial Services is regulated by The Central Bank of Ireland.
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