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Irish Pension Transfers

Take control of your finances today 01 5267770

Can you transfer your pension?

I Want to Transfer My Pension

If you are considering transferring your pension we can help you make an informed decision.

Phone Jim or Michael today and have your Pension Transfer questions answered. Call us on 01 5267770.

Transferring your pension is an important financial decision, so it’s important you take the time to get it right.

Decisions with far reaching financial and emotional results need to be made with a clear understanding of how decisions made now will affect you, and your family, for the rest of your life.

There are many reasons you might decide to transfer your pension. Click any of the links below to learn more about how we can help with your pension transfer:

Transferring a Pension from Previous Employment

Transferring a Pension from Previous Employment

It is not uncommon to have built up a pension fund with a previous employer and to have left the pension fund in place when you moved employment.

It is possible to transfer this accumulated pension fund away from your previous employer to either your new employers pension scheme or into a pension in your own name.

There can be many benefits in transferring your pension from a previous employment:

  • Greater investment control
  • It breaks the link with the previous employer
  • It may be possible to access the pension from age 50 in certain circumstances

We have experience in arranging pension transfers from a previous employment and we can help you explore the best options available to you.

Transferring a Pension from a Defined Benefit Pension Scheme

Transferring a Pension from a Defined Benefit Pension Scheme

If you are a member of a Defined Benefit Pension Scheme and you have been given the option of transferring your benefits, we can help you make an informed decision.

After many decades of building your pension fund you are about to make one of the biggest financial decisions of your life, so it’s important you get it right first time.

Decisions with far reaching financial and emotional results need to be made with a clear understanding of how decisions made now will affect you, and your family, for the rest of your life.

You may be considering transferring your defined benefit pension for any number of reasons:

  • The pension scheme is being closed or
  • You are concerned about the solvency of the pension scheme or
  • You want to gain access to a potentially larger tax-free lump sum and the ability to invest in an Approved Retirement Fund (ARF).

Whatever the reason, we can help you make an informed decision.

Transferring a Pension due to Poor Performance.

Transferring a Pension due to Poor Performance.

If you have an existing pension that you are unhappy with it is possible in most cases to transfer the pension to a different pension company. It might be that there are problems relating to:

  • Excessive Fees – We can review the fee structure on your existing Pension to see if it is possible to have the fees reduced.
  • Poor or Erratic Investment Performance – We can review the investment funds you have in your Pension and develop a more sustainable suite of funds for you.
  • Lack of Communication– We commit to meeting with our clients at least every year. We feel this level of interaction is important as there are many issues and ongoing decisions that need to be addressed as your own circumstances change.

Whatever the reason, we can help you make an informed decision.

Transferring a Pension to Ireland from Overseas

Transferring a Pension to Ireland from Overseas

Many people resident in Ireland have accumulated pension benefits with employers overseas, particularly in the UK.

It is possible in many instances to transfer the accumulated value of an overseas pension back to an Irish Pension Fund. The looming Brexit crisis is currently a trigger for many people resident in Ireland to consider a pension transfer from the UK. This can be facilitated via the Revenue approved QROPS Scheme (Qualified Residential Overseas Pension Scheme).

We have experience in arranging pension transfers from overseas and we can help you explore the best options available to you.

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What is the next step?

Usually your first contact with us will be a short telephone call or an email. This allows us to understand your situation and let you know how we can help you. A quick phone call or email can often be the easiest way to take the stress out of these decisions.

If you are worried about what happens to your pension fund during a stock market crash, click to read our latest article concerning this issue.

For most of our clients that initial phone call or email is where they start to get clarity on the right steps to get the most from their Pension.

Feel free to contact us at:

Email: jfenelon@guardianwealth.ie

Phone: 01 5267770

Testimonial

As a conservative investor with little understanding of the stock market, they created an investment portfolio for my Pension that allows for solid growth potential but also that shielded me from the excesses of stock market turmoil over recent years.

Conor

GP, Dublin

Take control of your finances today   01 5267770