What is a Retirement Planning Review?

 In preparing a retirement planning review for you, our qualified experts will help you to take a look at where you are now,

and where you want to be when you retire.

It is not just about the money for your pension.

It helps you to think about the type of lifestyle you wish to lead when you retire.

Retirement involves change.

This process helps you prepare for that change in a positive way.

 What is your current position?

 We will help draw up an accurate summary of your current assets and liabilities.

What plans have you for eliminating those liabilities before you retire?

How can you best arrange your assets so as to maximise the return on your pension?

How can you make best use of tax allowances?

What will be your future position?

What will be a comfortable retirement income?

Any major works planned or due in the future?

Do you intend to travel?

What hobbies will you pursue?

How will you fund your future lifestyle?

How will you achieve your plans for the future?

Having examined where you are and where you want to be,

our experienced, qualified experts will outline for you the steps which

you need to take in order to achieve your goals.

That is one of the best ways to ensure that your future is bright.

Once you have a plan, you can then adjust your finances early,

in order to achieve the result you desire.

Without a plan, you may find yourself approaching retirement and having to set aside large amounts of income in order to build up your retirement fund.

The sooner you start, the less pressure you are under.

Saving a small amount regularly over a large number of years is always easier than saving a large amount over a small number of years.

How do I arrange a retirement planning review?

Just click on the button, fill in the details, hit the submit button and we will contact you at a convenient time to arrange the review.

Remember, the sooner you start, the more money you save, so start today.

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Guaranteed Bonds

This is a single premium whole of life policy which provides:

• A guaranteed return of the capital invested at the end of a specified term, usually 5 years+ and

• A guaranteed level of capital growth at the end of the term, to which exit tax will be applied.

So if you want to maximise capital growth and wish to defer the return until the end of the policy term you should consider a Guaranteed Growth Bond.

 Early encashment

 Guaranteed Bonds are designed to provide a guaranteed return over a fixed term, usually 3 or 5 years, either in the form of a regular payment or as capital growth. No guarantee is given on encashment prior to the maturity date of the policy, and as such early encashment is usually subject to a penalty.

 Returns

 The returns offered by Guaranteed Bonds at any time will be strongly influenced by the level of interest rates ruling on short dated Government Bonds.

The investment must be maintained for the full term, in order to obtain the full guaranteed return promised.Access to the investment during the term of the bond is on unguaranteed terms and could involve a loss for the investor.{KomentoDisable}

What should I do in order to find out what is the best way to maximise the return on my investment?

As there is such a wide range of investment products available, you should talk to one of our qualified, experienced experts.

They will review all of your options and help you choose the one that best suits your requirements.

Many investment funds are only available for a short period, so you should act now to avail of the best opportunities.

Use the quote button (above)

or telephone 1890 666 666

Tracker Bonds

Life Assurance companies offer structured investment bonds (tracker bonds), that aim to allow investors participate in equity market returns with the benefit of a high level of capital guarantee. They are fixed term bonds, usually between 3 to 6 years.

Structure

The investment made by an investor in a deposit Tracker Bonds is split into three components:

• Most of the deposit is placed with the Bank at a fixed rate for the term of the Bond, to provide the level of capital guarantee promised.

• Part is used by the Bank to purchase a derivative from a large international investment bank, who in return undertakes to pay the Tracker Bond bonus amount, if any, to the bank at the end of the Bond term.

• The balance of, the investment amount is taken as initial charges; part of which may be used by the Bank to pay commission to deposit brokers.

So a Tracker Bond is essentially a fixed rate term deposit as, usually, more than 80% of the investment amount is in fact invested in a fixed interest term deposit, for the term of the Bond.

Access to funds

Tracker Bonds are illiquid investments i.e. there is no facility for the investor to encash the bond before the maturity date. The funds are tied up for the term of the Bond.

Limitations

• The investment must be maintained for the full term in order to obtain the full guarantee and bonus promised.

• Generally no access to the investment during the term of the bond. {KomentoDisable}