Q. What do you want from
a retirement plan?
- If you want some or all of the
following, then you should consider the Personal Retirement
Account.
- The ability to pay in as much
as you want, when you want to.
- The facility for both yourself,
and possibly your employer, to make contributions.
- The facility to maintain one
growing retirement fund while you change employment and perhaps
country of residence.
- A fund which can continue to
operate while you are both employed and self-employed.
- Tax- Free fund growth.
- The ability to choose when YOU
want to retire.
- A range of investment options
which give you the opportunity to gain superior returns,
while controlling risk.
- Funds held with a well established
and secure company in a properly regulated location.
- The Personal Retirement Account
can offer you all of this and more.
Click here
to go back to Menu Q. Why is the Personal Retirement Account a Truly Flexible Plan ?
- It means you can pay in any
amount you wish from €250 upwards, on a monthly, quarterly,
half yearly or annual basis. You can pay in extra amounts
whenever you wish and you can even take payment holidays
when you wish.
- It means you can make your payments
in any freely negotiable currency. Your Personal Retirement
Account may be denominated in either US Dollars, Sterling
or Euros.
- It means you can move around,
secure in the knowledge that your savings are secure.
- It means you can pay by cheque,
standing order, banker's draft or telegraphic transfer.
- It means you can access your
accumulated fund at any time, either on a regular or one-off
basis.
- It means you can choose from
a range of investment options which match your needs in terms
of risk and return.
- It also means you can adjust
your investment as you go, if you wish. For instance, moving
into more conservative assets as you near retirement.
- It means you have the options
of including some additional life assurance cover, if you
wish.
- A Personal Retirement Account
can be taken out either by you as an individual or by an
employer on your behalf.
Click
here to go back to Menu Q. Who is Eligible? The
Personal Retirement Account is available to anyone aged between
18 & 75, to trustees
of Trust Funds and to Companies. It is not available to residents
of the United Kingdom or the Republic of Ireland. You should satisfy yourself that
by investing in the Personal Retirement Account you are acting
within the laws of the jurisdiction to which you are subject. Click
here to go back to Menu Q. What about Tax and Legal
matters? No income or capital gains taxes
will be deducted within the Funds to which the Personal Retirement
Account is linked. It is strongly recommended that you take
the appropriate professional advice if you are in any doubt
in relation to your own personal taxation or legal position. Click
here to go back to Menu Q. What access to my Capital
do I have? You may access your capital by
full or partial encashments at any time or buy taking a regular
withdrawel from your Personal Retirement Account. Click
here to go back to Menu Q. How do I apply? Opening a Personal Retirement Account
is simply a matter of emailing us at info@nms.ie and requesting
a Personal Retirement Account application form, returning it
to us at :
NMS, Grafton House, 70 Grafton
Street, Dublin2.
Click
here to go back to Menu
Tax Efficient For Irish
Expatriates
- There can be excellent opportunities
for the people who wish to return to Ireland some day.
- Potential Irish expatriate clients
should consider the following:
- Gains free from Irish taxes
while residing outside the Republic of Ireland.
- Upon returning to Ireland,
no encashment is necessary and no encashment penalities are
suffered.
- An investment fund which grows
free of taxes since the investment is based in a tax efficient
environment.
- Tax efficient retirement planning
opportunites.
Click
here to go back to Menu PENSION AUDITS
- "Have you ever had an Audit
of your pension?"
- Is the level of contribution
adequate to give you a proper pension ?
- Is the fund performing as it
should be ?
- Are you in the right type of
fund ? (i.e. unit linked with profit, Guaranteed Deposit
Admin)
- Are you optimising your TAX
RELIEF ?
If you were clever
to take out a pension either through your Broker, Accountant,
Bank or directly
with a company then you should be already ahead of the rest. "Are
you sure your Pension is going to perform for you"? It's
not too late to find out. If you can answer YES to all the
following questions then congratulations on making the right
choice. If you answer MAYBE or NO then you need to contact
us NOW. -------------------------------------------------------------------------------- At
NMS we will provide you with a Pension and we will also give you "Free
regular check-ups". If you are not a client of ours already,
we will still gladly talk to you.
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