ZURICH PRSA SPECIAL OFFER

MyAdviser is proud to present a very special PRSA offer in association with

For the life of your PRSA you get at least an extra 3% invested each time you make a contribution. You only pay at most 2% entry charge instead of the usual PRSA charge of 5%.

Click on the headings below and find out more about this offer.

What is this offer worth to you?
You get access to one of Ireland best & largest PRSA providers, combining

• Top Allocation - more of your money is invested up to 99.5% instead of 95%
• Usual Annual Management Charges - guaranteed to be no higher than 1.00%
• Top Performance Track Record & Service
• No Additional Fees to pay MyAdviser
• On-line tracking of your PRSA

BONUS FOR LARGER CONTRIBUTIONS
The tables below shows the percentage of your contribution that will be invested for the life of your PRSA depending on the size of the monthly contribution or any lump sums that would be invested.

These terms are for personal direct debit clients and payroll paid PRSA's where there is just one member. All other PRSA's set up via payroll get an allocation rate of 98% for all contribution levels. All PRSA's will attract the same tax relief whether via direct debit or payroll.

PLEASE NOTE THAT ALL PAYROLL PAID PRSA'S WILL NEED YOUR EMPLOYERS APPROVAL PRIOR TO SETTING IT UP.

Monthly/Regular Contributions

Lump Sum Contributions

The usual 1% annual management charge still applies in all cases and there are no other charges or fees.

Employer Group PRSA Discounted Solution
If you employ one or more staff (including yourself) then you are legally obliged to make available a PRSA via payroll deduction or have a qualifying company pension scheme available to staff. Details about the regulations and rules covering PRSA have a look at this document (Click Here).

MyAdviser can make Zurich's PRSA available where 98% of every euro is invested instead of the usual 95% and the annual management charge stays at the normal 1%. This saves your staff 60% of the normal entry cost on every premium invested. There is no employer cost to set up this Group PRSA facility and no obligation to make employer contributions. It is easy to set up and run and makes sure you are complying with the law.

Download PRSA Literature
If you want to read more about this Standard PRSA simply click on the document you want. You will need Adobe Acrobat to read these documents. If you do not have Acrobat then CLICK HERE to download it for free.

STANDALONE AVC PRSA - No Need For Employer Involvement!
Zurich were the first providers to offer a Standalone AVC PRSA. This version of their Standard PRSA can be purchased by pretty much anyone even if you are already in an existing Company Pension Scheme or already have an AVC Pension (Additional Voluntary Contribution). This includes Public Service Workers and there is no involvement or approval needed from your employer. CLICK HERE to get the details on how this works.

PRSA Brochure - Covers a wide range of issues including how it works, retirement options, funds etc		IFSRA PRSA Fact Sheet - The Irish Financial Services Regulatory Authority have produced a useful consumer fact sheet on PRSA's
AVC PRSA Brochure - Covers the core advantages of an AVC PRSA.		PRSA Investment Options - This covers the funds that are available with the Standard & Non Standard PRSA

MORE FUND CHOICE AT THE SAME DISCOUNTED PRICE
You will see in the "PRSA Investment Options" document above that there is a wider fund choice with Zurich's Non-Standard Advice PRSA. Usually Non-Standard PRSA's have higher charges than Standard ones but with this offer you get exactly the same charges as with their Standard PRSA i.e. up to 99.5% invested and a 1% per annum management charge. This is worth considering as their cautious Suppercapp Fund is available under their Non-Standard Advice PRSA.

Zurich's Service Awards
Zurich Life has won many awards including the following.

• Professional Insurance Brokers Association (PIBA) Broker Service Award of Excellence (2010), for the eighth year in a row.
• 2010 was the twentieth year of the IBA Annual Insurance Services Awards and this latest success for Zurich marks the fourteenth time the Company has won the award since its inception.

To see more about these awards CLICK HERE

Manage Your PRSA On-Line
Zurich have a very good on-line service for their pension plans including PRSA's. You can track it's value, make policy enquiries, get product information and much more. CLICK HERE to get more details.

Zurich's Performance Track Record
Zurich has been a popular choice amongst MyAdviser's clients, largely on the back of their strong pension fund management, service and low charges. The funds available under the Standard and Non-Standard PRSA are shown in documents above. By clicking on the links below you will see the pension fund past performance data for a selection of funds. You can see how Zurich have been managing their funds over YTD, 3 & 5 years relative to the competition. For a closer look at the Zurich funds have a look at the web site - CLICK HERE and select PRSA Funds.

The figures in the tables below show the total performance of all the main pension fund managers. The performance is for the periods shown up to 1st October 2011.

Each sheet shows the particular sector results and shows the "Quartile Rank". This means that if a 1 is shown then that fund is in the top quarter of the table. If a 4 is show then that fund is in the bottom quarter of the table. Ideally your fund manager will always score a quartile rank of 1 or 2 but that does not always happen.

All figures are sourced from MoneyMate and are based on the Individual Pension Sector. The only charge allowed for is the providers historic annual management charge and it is important to note that past performance is not guaranteed to be repeated as future performance is subject to future market conditions. The allowance for annual charges varies by provider.

It is important to note that although these figures do show Zurich's past performance they are not guaranteed to be repeated as future performance is subject to future market conditions.

How can I get it?
In order to avail of this offer, accessing Zurich's Standard or Non-Standard PRSA with at most a 2% entry cost, all you have to do is fill in the request form and send it automatically via our secure email service. MyAdviser will then email you all you need. Please read the notes below before proceeding.

* PLEASE NOTE:

• No fees are charged by MyAdviser as part of this offer, regardless of the size of the contribution.
• MyAdviser will receive a discounted commission of 2% from Zurich on all regular contributions and lump sums. We may also receive a volume bonus on business placed which does not impact on the terms offered. These payments have already been allowed for in the above offer rates. For this commission ongoing service is provided in relation to you PRSA.
• There is no advice included in this execution only offer.
• There is ongoing service included.
• MyAdviser cannot engage in discussions or provide information about the suitability of this contract to your needs.
• This offer is designed for people who know what they want in relation to their pension and want to buy it at a low cost. If you are in any doubt about the suitability of this offer to your needs than why not have a look at MyAdviser's Need Focused Advice Service. CLICK HERE for more details.