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Retirement Planning
With the increasing pressure on state pension benefits and an ever-ageing population, we will have to rely more on our personal savings when we retire than previous generations.
Rather than suffer a significant drop in income, strategic planning for your retirement can help offset any decrease. Investing in a pension plan currently offers the most tax effective means of investing and providing for your retirement. NCB can provide you with a unique way of investing in your pension whilst allowing you to continue to enjoy the tax benefits that apply to these contributions.
In recent times investors have been seeking greater control over the investment decisions that directly impact on their retirement fund and, consequently, Self-Directed investment has grown in popularity.
Self-Directed allows you to control your funds investment decisions before and after you retire and allows you to plan for your unique personal circumstances. You can devise your own asset allocation strategy along with NCB, which can assist in this process by providing information and investment advice. You can invest in a broad range of equities, bonds, property and deposit-based investments.
This method of investment is growing in popularity and has a number of key benefits. These are as follows:
Greater control over your investments whilst still benefiting from a retirement structure. Your funds will continue to grow on a tax-free basis, prior to taking any benefits.
An individual investment manager is appointed to advise and liaise with you on stock selection and asset allocation decisions.
Quarterly valuations of your investment fund together with regular updates on NCB's investment strategy.
Apart from direct equity investments, you will be able to choose from a range of complementary investments such as bonds, cash and property.
A simple and transparent charging structure.
As an independent financial adviser we are also in a position to provide professional and impartial advice on the wide range of traditional pension funds that are available on the domestic market. Although you receive a premium service, dealing through NCB does not cost more than dealing with an investment company directly.
Contact:
Joe Hanrahan: joe.hanrahan@ncb.ie
Tel. 01 611 5611
