Page 10 - Garda Journal Winter 2019

As the administrators of the
AGSI AVC Scheme AGSI AVC Scheme
As the administrators of the
AGSI AVC Scheme
Irish Pensions and Finance offers members the following:
Irish Pensions and Finance offers members the following:
Irish Pensions and Finance offers members the following:
Last Minute AVC
Last Minute AVC
Members are allowed by Revenue to use overtime and/or their highest average salary in the
ten years to retirement to fund for an extra tax-free lump sum through the AGSI AVC scheme. Members are allowed by Revenue to use overtime and/or their highest average salary in the
Last Minute AVC
This allows the member to claim a tax rebate of 40% on the allowable amount prior to
ten years to retirement to fund for an extra tax-free lump sum through the AGSI AVC scheme.
Members are allowed by Revenue to use overtime and/or their highest average salary in the
retirement then claim the gross contribution, less 3.5% charge tax-free after retirement. This allows the member to claim a tax rebate of 40% on the allowable amount prior to
ten years to retirement to fund for an extra tax-free lump sum through the AGSI AVC scheme.
retirement then claim the gross contribution, less 3.5% charge tax-free after retirement.
This allows the member to claim a tax rebate of 40% on the allowable amount prior to
Regular Premium AVCs
retirement then claim the gross contribution, less 3.5% charge tax-free after retirement.
Regular Premium AVCs
Members can choose to contribute what they wish on a weekly basis through salary.
The investment grows DIRT free and can be drawn down in a number of ways at retirement. Members can choose to contribute what they wish on a weekly basis through salary.
Regular Premium AVCs
The draw down options which are subject to Revenue rules are: Tax-free lump sum, taxable The investment grows DIRT free and can be drawn down in a number of ways at retirement.
Members can choose to contribute what they wish on a weekly basis through salary.
lump sum, income, Approved Retirement Fund or a mixture of the above.
The draw down options which are subject to Revenue rules are: Tax-free lump sum, taxable
The investment grows DIRT free and can be drawn down in a number of ways at retirement.
lump sum, income, Approved Retirement Fund or a mixture of the above.
The draw down options which are subject to Revenue rules are: Tax-free lump sum, taxable
Investment Advice
lump sum, income, Approved Retirement Fund or a mixture of the above.
Investment Advice
IPF have agencies with all the major providers and offer a wide range of investment
choices to suit the most cautious to the most adventurous investor. To help you decide IPF have agencies with all the major providers and offer a wide range of investment
Investment Advice
which investment is suitable for you we recommend you complete the ‘Risk Profiling choices to suit the most cautious to the most adventurous investor. To help you decide
IPF have agencies with all the major providers and offer a wide range of investment
Questionnaire’. This will help us establish the type of investment that best suits both your which investment is suitable for you we recommend you complete the ‘Risk Profiling
choices to suit the most cautious to the most adventurous investor. To help you decide
attitude to risk and individual needs. Our Financial Advisors can talk you through Questionnaire’. This will help us establish the type of investment that best suits both your
which investment is suitable for you we recommend you complete the ‘Risk Profiling
this process.
attitude to risk and individual needs. Our Financial Advisors can talk you through
Questionnaire’. This will help us establish the type of investment that best suits both your
this process.
attitude to risk and individual needs. Our Financial Advisors can talk you through this process.
To book an appointment with a Financial Advisor
To book an appointment with a Financial Advisor
please call 01 8298500 or email sarah.connolly@ipf.ie
To book an appointment with a Financial Advisor
please call 01 8298500 or email sarah.connolly@ipf.ie
please call 01 8298500 or email sarah.connolly@ipf.ie
IMPORTANT:
The above is for general information only. It is necessary to carry out a financial consultation before any specific advice can
IMPORTANT:
be given. Information needs to be obtained from Killarney before any Last Minute AVCs can be recommended. Unit prices
The above is for general information only. It is necessary to carry out a financial consultation before any specific advice can
can fall as well as rise in investments and the value of your investment can vary accordingly. AVCs are subject to Revenue
IMPORTANT:
be given. Information needs to be obtained from Killarney before any Last Minute AVCs can be recommended. Unit prices
rules and regulations and the benefits that can be obtained from AVCs will vary from individual to individual depending on The above is for general information only. It is necessary to carry out a financial consultation before any specific advice can
can fall as well as rise in investments and the value of your investment can vary accordingly. AVCs are subject to Revenue
their circumstances.
be given. Information needs to be obtained from Killarney before any Last Minute AVCs can be recommended. Unit prices
rules and regulations and the benefits that can be obtained from AVCs will vary from individual to individual depending on
can fall as well as rise in investments and the value of your investment can vary accordingly. AVCs are subject to Revenue
their circumstances.
rules and regulations and the benefits that can be obtained from AVCs will vary from individual to individual depending on their circumstances.
Suites 3 & 4, Gowna Plaza,
Bracetown Business Park, Clonee, Co.Meath
Suites 3 & 4, Gowna Plaza,
Bracetown Business Park, Clonee, Co.Meath
Suites 3 & 4, Gowna Plaza,
www.ipf.ie | info@ipf.ie | 01 8298500 Bracetown Business Park, Clonee, Co.Meath
www.ipf.ie | info@ipf.ie | 01 8298500
Owen Dwyer, David Dunleavy & Claire Hanrahan T/A Irish Pensions & Finance T/A Personal & Corporate Professional Financial
www.ipf.ie | info@ipSfe.riveice|s a0re1re8gu2la9te8d b5y0th0e Central Bank of Ireland
Owen Dwyer, David Dunleavy & Claire Hanrahan T/A Irish Pensions & Finance T/A Personal & Corporate Professional Financial
Services are regulated by the Central Bank of Ireland
Owen Dwyer, David Dunleavy & Claire Hanrahan T/A Irish Pensions & Finance T/A Personal & Corporate Professional Financial Services are regulated by the Central Bank of Ireland