Pensions

Starting a pension fund is one of the most important financial decisions you make in your life time. For the majority of us the State Pension alone is not sufficient to replace your regular income into retirement, so it’s vital that you start a pension plan as soon as you can.

A pension is simply a long term savings plan, which can only be accessed at retirement usually aged 60 or 65. The main advantage of a pension plan is that it is one of the most tax efficient ways to save money, as you receive full income tax relief at your marginal rate on contributions. The pension grows tax-free and at retirement you can also take a portion of your accumulated fund as a tax-free lump sum.

At IFG Financial Waterford, we are regulated as a Multi-Agency intermediary by the Central Bank of Ireland and we hold agencies with some of the biggest names in the Irish Financial Markets. Our aim is to provide an in-depth knowledge and unbiased view of the Irish Pension market and we can provide advice in relation to a range of pension products & services such as:

• Personal Pensions
• PRSA’s
• Employer Sponsored Pension Plans
• Group Pension Plans
• Self-Administered Pension Plans
• Pension Mortgages