Monthly Archives: February 2016

Do you own a lost or over-taxed pension?

A major problem facing pensioners or those close to retirement is that people often can't trace a pension they believe they are entitled to. In some cases, pensions have been lost because records were destroyed after a change of pensions administrator, according to Mr Kenny. "In one case, the administrator for a pension scheme changed…
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Choosing the Beneficiaries for Life Insurance

When you purchase a life insurance policy for yourself or a family member, there are a number of important decisions to be made. Deciding what company to choose, how much cover to purchase and what type of policy you need are all vital. But once you’ve determined each of these factors, there is still one more important…
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Pensions industry calls for “long-term focus” on policy

The main thing it wants from the current crop of candidates for the Dáil is a bit of forward-thinking on retirement saving Pensions have always been a hard sell, and not as popular for political soundbites as more punter-friendly topics such as mortgages or income tax. For the pensions industry, the main thing desired from…
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Is Germany Doing Pensions Right?

  Germany often encourages much jealous muttering. The country found an easier path than most through the global financial crisis and it is now even touted as the world’s best nation (at least according to one survey). Besides stellar engineering and economic efficiency, the German model also stands for social equity. This “social market economy”,…
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Australia’s Amp Gets Profit Boost From Wealth Management

The wealth manager unit, AMP Capital, which has a joint venture with Chinese insurance behemoth China Life and a strategic alliance with Japan’s Mitsubishi UFJ Trust and Banking Corp (MUTB), saw a 20% jump in operating earnings as investors dumped equities for defensive assets. AMP Capital increased funds under management on behalf of international institutional…
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Pensions still most tax efficient savings option

  The IFS compared pension savings with buying a house, putting funds into an Individual Savings Account (Isa), and investing in buy-to-let property. The main reason the other options were ‘pipped to the post’ by pensions was that, under auto enrolment, employers have to match employee contributions. As a result workers get a 60% boost…
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A saving of €2448.00 on your Mortgage Protection Insurance

Mortgage protection cover is the life insurance policy we all have to take out when buying our mortgages. This cover provides your bank or homeloans lender with the security of clearing your mortgage if you die during the term of your home mortgage.  Combined with this lower premium due to longer life expectancy if you've…
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Check your mortgage protection payments – New financial tool online

The Insurance Doctor announces New financial tool on the Web to check your mortgage protection payments. The Insurance Doctor has launched a FREE web service for Ireland's hard pressed homeowners. Every one who has a domestic mortgage is paying a monthly payment to their bank or building society provider. Life assurance costs in Ireland have…
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Don’t allow hard-earned cash to go up in smoke

  THE difference between what a smoker and a non-smoker can expect to pay for life assurance premiums is staggering. I was carrying out an analysis between the two recently, and based upon a sum assured of €200,000 for life and serious illness, I found that a 35-year-old couple who both smoke will pay 85%…
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