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The Smart Finance newsletter aims to bring you the latest news in personal finance and wealth management.
1. Pensions and Tax Facts - Finance Act 2011 Fact Sheet.
This fact sheet outlines the changes introduced by the Finance Act 2011 in the areas of pension planning and general taxation.
The fact sheet is designed to assist financial advisers to give clear and accurate advice to clients across a range of areas, including:
- Optimizing retirement planning.
- Optimizing available tax breaks and reliefs.
- State pension (Contributory).
- Income tax bands and credits.
- DIRT, Exit and Capital Taxes.
Click here for full PDF >> Financial Fact Sheet
To discuss any of the points outlined please contact us >>
2. Have you stopped smoking and have you not smoked in the last 12 months?
If your answer is YES, then it may well be worth reviewing your life and serious illness plans to avail of non-smoker rates.
Listed below are the cost savings based on quotes for life cover of €250,000 on a 20 year term plan.
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Male
Non-Smoker vs Smoker Rates
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Female
Non-Smoker vs Smoker Rates
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To review your policies please contact us >>
3. Deposits & Investment Options
Deposits
| Deposit Options & Rates: |
Rate |
AER |
| Signature On Call (Variable) |
1.25% |
1.25% |
| Signature 30 Days Notice (Variable) |
2.90% |
2.90% |
| Signature 6 Month Interest First |
3.25% |
3.32% |
| Signature 1 Year Interest First |
3.50% |
3.62% |
| Signature 2 Year Interest First |
6.50% |
3.40% |
For all 'Interest First Accounts' the interest is paid within 1 month of the date account is opened.
The rates shown are correct as of 15/03/2011.
Minimum Deposit Amount €10,000.
Deposit Guarantee Scheme: Guarantees Deposits up to €100,000.
This scheme is open ended.
Government ELG Scheme: Guarantees Deposits over €100,000. This scheme is due to expire on 30th of June 2011.
Investments
Zurich Life - Vision 2021 Regular Savings Plan.
Click here for PDF >> Vision 2021 Regular Savings Plan
To discuss your deposit & investment options please contact us >>
4. Interactive Forum
The Interactive Forum provides a platform for clients and subscribers to the newsletter to discuss business and financial queries, to request information on their existing plans, and if required, to request a full financial review.
Have you got a business or financial query please contact us >>
To request full information on your existing plans please contact us >>
To request a full financial review meeting please contact us >>
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