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The Smart Finance newsletter aims to bring you the latest news in personal finance and wealth management.
1. Reduce your tax bill or claim a refund of tax for 2009
The 31st of October provides an opportunity to reduce the amount of tax that was paid (PAYE Employees) or is due to be paid (Self Employed) for 2009.
Investing a lump sum into a new or existing pension plan provides a tax refund (PAYE Employees) or a tax saving (Self Employed) of up to a maximum of 41% and a PRSI/Health Levy saving of up to 9%.
I have attached guidelines that provides a full explanation of how this opportunity can be availed of.
Self Employed have until the 16th of November to avail of this.
Click here for full PDF >> Pension Tax Savings Deadline
If you would like to discuss these changes please contact us >>
2. Deposits & Investment Options
Ptsb - Interest First Account. This deposit account offers an attractive 12 month fixed rate of 3.35% (3.46% AER).The account also pays the full interest (less DIRT if payable) within a month of opening the account.
Please see below for some of the other deposit terms and rates available.
Deposit Options & Rates: Rate AER
Signature On Call (Variable) 1.25% 1.25%
Signature 30 Days Notice (Variable) 2.90% 2.90%
Signature 7 month (Fixed Term Rate) 3.20% 3.22%
Signature 1 year (Interest First Rate) 3.35% 3.46%
Signature 18 month (Fixed Term Rate) 4.50% 2.98%
The rates shown are correct as of 30/09/2010.
Minimum opening balance of €10,000 required.
Excellent rates also available for companies, Credit Unions, Charities etc.
Government ELG (Guarantee) Scheme for amounts over €100,000 held in qualifying institutions has now been extended to the end of 2010.
To discuss your deposit options, please contact us >>
Zurich Life - SuperCAPP Fund
The SuperCAPP Fund provides an excellent alternative to deposits as the main aim of the fund is to provide returns for clients that exceed bank deposits while offering underlying guarantees. The SuperCAPP Fund is available for regular monthly savings plans, single premium lump sum investments, regular and single premium personal and company pensions, and for ARF's & AMRF's. The fund offers:
- A strong track record of returns since it's launch in 1987.
- Capital Guarantees.
- Annual Bonus Structure.
- Special Bonus Structure.
- Zurich Life - Financially strong and solvent company.
I have attached guidelines issued by Zurich Life that explain in detail how the SuperCAPP Fund works.
Click here for full PDF >> SuperCAPP Fund
To discuss Zurich Life's SuperCAPP Fund, please contact us >>
3. Interactive Forum
The Interactive Forum is popular with many clients and subscribers to the newsletter. It provides a platform to discuss business and financial queries, to request full information on their existing plans, and 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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