PENSION LUMP SUMS - SPECIAL OFFER

During MyAdviser's day to day advice and market search work we come across providers and fund choices that stand ahead of the pack in terms of low cost or past performance or both.

For extra allocation & commission discount simply Click on the heading below and you will be brought to the relevant section. Offer Closes Monday 31st October 2011 and for ROS Users Tuesday 15th November 2011.

41% Tax Relief - due to fall to 20%!
There is a risk that tax relief will be adjusted for pensions in the coming December budget and if you can afford the cash flow you should consider making the 2010 and 2011 pension contribution now. The national recovery plan with the ECB, IMF & EU includes pension tax relief falling to 20% from the current 41%.

PRSI & Health Levy Relief Still Available!
If you are an employee and want to make a pension contribution either via a PRSA, AVC or Personal Pension then a payment for the 2010 tax year can still be made. This is the last time relief is available on PRSI and the Health Levy. Normal tax relief applies as well for this backdated payment. After the above cut off dates only tax relief will be available.

SAVE - SAVE - SAVE
If you have been offered any pension deal let MyAdviser know and we will see by how much we can beat it. Also if you are considering transferring an existing pension then now is a great time as these bonus rates will apply and there are many other providers.
Click Here to let us know your situation.
SAVE - SAVE - SAVE

Here's how it works & Terms!
This is an execution only offer. This means that there is no advice provided as part of the deal. You select the lump sum pension provider and the fund or funds that you are interested in and you receive the best deal possible.

Full commission on pension lump sums is 5% of your initial investment and 0.5% of your pension fund value each year it is invested. MyAdviser re-invests commission and you get all the extra allocation offered by the pension provider.

NOW IS THE BEST TIME OF YEAR TO INVEST - THE RATES BELOW INCLUDE EXTRA ALLOCATION PROVIDED BY THE INSURANCE COMPANY'S AS WELL AS THE COMMISSION DISCOUNT PROVIDED BY MYADVISER

See the tables below for each providers terms. NRA = Normal Retirement Age

Pension Literature

This section includes some basic consumer information on each providers funds & investment options. To download simply click on the beside each document.

This literature is provided for information purposes only and is not meant to be a comprehensive assessment of each contracts terms & details. A full application pack can be emailed to you which will include all the information required to set up any one of these contracts on an execution only basis i.e. no advice.

You will need Adobe Acrobat to read these documents. If you do not have Acrobat then CLICK

HERE to down load it for free.

Zurich Pension Lump Sums
	Deposit - 3%
	Fund Range - Matrix
	SuperCAPP Fund - Benefits vs. Equities
	Active Asset Allocation Fund
Friends First Pension Lump Sums
	Market Neutral Fund
	Insight Currency Fund (High Risk)
	Fund Range
	BCP Split Deposit Bond
	KBC Sterling Income Plus Account - 4.1%
	Deposit Fund - 3.8%
Irish Life Pension Lump Sums
	Core Fund Fact Sheet
	Fidelity Global Real Asset Securities Fund
	Pension & Investment Fund Guide
	Pension Protection Fund
	Self-Directed Guide
New Ireland Pension Lump Sums
	Absolute Return Fund - BNY Mellon
	Absolute Return Fund - BNY Mellon - Reasons to Invest
	Elements Fund Brochure
	Protected Assets Fund Brochure
	Fund List
Standard Life Pension Lump Sums
	Cash & Deposit Options
	Fund List & Investment Options
	Absolute Return Fund - GARS Fund
	Absolute Return Fund - Reasons to Invest

Pension Fund Past Performance

The figures in the tables below show the total performance (not annual) of all the main pension fund managers for the following sectors - Managed Funds, Fixed Interest Funds, Absolute Return Funds, Emerging Markets & Far East Equity Funds.

Absolute Return Funds
This year again we have highlighted Absolute Return Funds as a new investment vehicle and this GRAPH illustrates their ability to deliver returns in difficult market conditions. The literature above explains more about how the Friends First, New Ireland and Standard Life Funds work.

Each sheet below 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.

Apply Now ?
In order to receive the full application pack for your selected pension provider , 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:

• All completed application forms must be in MyAdviser's possession no later than noon 31st October 2011, or noon on 15th November 2011 for R.O.S. (Revenue On-Line Service) users. MyAdviser takes no responsibility for late applications or applications not properly completed.
• No fees are charged by MyAdviser as part of this offer, regardless of the size of the contribution. Minimum contribution levels do apply and they vary by provider - see above tables.
• MyAdviser will receive a commission from the provider of your pension. We may also receive a volume bonus on business placed, neither of which reduce the terms shown above. These commissions have already been deducted from the above allocation rates. There is no ongoing or fund based commission paid to MyAdviser.
• There is no advice included in this execution only offer.
• You must send a valid email address on your request form as the application pack will be sent to you via email. This email address needs to be able to receive attachments. If you wish to have the pack posted to you, please send a stamp addressed A4 envelope to MyAdviser, Pension Offer, Anglesea House, 63 Carysfort Avenue, Blackrock, Co. Dublin.
• MyAdviser cannot engage in discussions or provide information about the suitability of these funds to your needs. That said if you have a question about the terms feel free to call or email.
• This offer is designed for people who know what they want in relation to their pension. 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.