Wednesday, 08 February 2012 20:14:08

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Pensions...

Pensions

Nowadays, (thankfully!) we are living longer than ever before, and that means you want to be able to enjoy life beyond the standard retirement age of 65 years.

The reality is, surviving on the state pension alone, for many people, will enable just that, ‘surviving’, and it can be very difficult. Even though it may seem a long-way off, the reality is, the earlier you do something about your pension the better and more comfortable your retirement will be – and it doesn’t have to be difficult!

Equity Financial Services we offer a range of personal pensions that are tax-efficient now, and take the strain out of providing for a comfortable future in your retirement.

PHI Cover

How would you cope if your income stopped?

Did you know..?

The minimum state benefit, if you are unable to work, is just €134.80 per week.

Did you know..?

Most people think they are covered in their existing employment if they stop earning an income due to illness, acccident or disability..but the facts is most are not. Ask your employer about your situation.

You never think it will happen to you...

Are you covered?

Most people assume they are covered by their employer or by the Dept of Social Welfare if they were unable to work for any period of time.

However the facts are:

• Most employers do not have specific policies to guarantee employees income if they become incapacitated
• Many people find that the most they can look foward to is an unspecified sum decided at a future date by the management or the trustees of their organisation
• Social Welfare payments are not enough to cover even the basics of life. Payments vary but are from €134.80 per week depending on whether or not you have dependants.
• If you are self-employed you are entitled to NO social welfare payments.

How would you pay for the basics in life?

What can you afford to do without?

What changes are you going to have to make:

What essential cut backs will you make?

 

Contact us today about affordable Pensions and PHI Cover so you won't have to make those choices

Loan amount
Interest Rate (select rate)
<select> 2.94% 3.25% 3.55% 3.60% 3.81% 4.20% 4.70% 5.35% 5.50% 5.60% 5.80% 5.90% 5.93% 5.94% 5.99% 6.10% Number Of Years
<select> 5 years 10 years 15 years 20 years 25 years 30 years 35 years 40 years Monthly Payment

(for estimation purposes only)