APRIL 2010
PAGE ?? Public Sector Times
Car & Home Insurance Now even easier with AXA EasiPay
EasiPay allows many health care employees to pay their motor and home insurance premium directly from their salary over 10 months at no extra cost.
IPF page Pension 7/4/10 2:06 pm Page 1
You can also get a 10% discount on your motor insurance (new or renewal) and free Motor Rescue Plus.
APRIL 2010
PAY PARITY TO BE BROKEN
INCREASE IN
What’s more, employees on the EasiPay scheme can get 10% off a new home insurance policy or €30 off your home renewal.
STATE PENSION AGE TO 68 BY THE YEAR 2028
AXA customers can also save money on new and used cars, holidays and lots more. Just visit
www.axaplus.ie.
TAX RELIEF ON PENSION
CONTRIBUTIONS TO BE GREATLY REDUCED
PAGE ?? Public Sector Times
For more information and to find out if your employer is part of the EasiPay scheme drop into your local AXA Insurance branch or call us on 1890 600 600
Terms and conditions apply. Free Motor Rescue Plus breakdown cover is available to existing customers at next renewal. AXA Insurance Limited is regulated by the Financial Regulator.
PAY PARITY TO BE BROKEN
WHAT CAN YOU DO? 1512 AXI Easipay Health Matters
Ad.indd 1
You have a three to five year window before the Government drastically reduce the incentive for you make Additional Voluntary Contributions. ACT NOW - maximise your savings while they still exists. Please see the tables opposite for maximum contribution levels.
IPF page Pension 7/4/10 2:06 pm Page 1
IPF page Pension 7/4/10 2:06 pm Page 1 IPF page Pension 7/4/10 2:06 pm Page 1
redefining standards INCREASE IN
STATE PENSION AGE TO 68 BY THE YEAR 2028
WHAT CAN YOU DO? APRIL 2010 APRIL 2010APRIL 2010
PAGE ?? Public Sector Times PAGE ?? Public Sector Times
PAGE ?? Public Sector Times
PAY PARITY TO BE BROKEN
WHAT CAN YOU DO?
You have a three to five year window before the Government drastically reduce the incentive for you make Additional Voluntary Contributions. ACT NOW - maximise your savings while they still exists. Please see the tables opposite for maximum contribution levels.
AVCS’ MAY BE THE ANSWER You have a three to five year window before the Government are to
WHAT CAN YOU DO?
drastically reduce the incentive to make Additional Voluntary Contributions. ACT NOW- maximise your reliefs while they still exist. Please see the tables opposite for maximum contribution levels.
You have a three to five year window before the Government drastically reduce the incentive for you make Additional Voluntary Contributions. ACT NOW - maximise your savings while they still exists. Please see the tables opposite for maximum contribution levels.
You have a three to five year window before the Government drastically reduce the incentive for you make Additional Voluntary Contributions. ACT NOW - maximise your savings while they still exists. Please see the tables opposite for maximum contribution levels.
You have a three to five year window before the Government drastically reduce the incentive for you make Additional Voluntary Contributions. ACT NOW - maximise your savings while they still exists. Please see the tables opposite for maximum contribution levels.
FOR MORE INFORMATION TALK TO KEVIN ON 01 829 8500 OR EMAIL
KEVIN@IPFI.IE IRISH PENSIONS & FINANCE, PROVIDING PENSIONS & AVCS’ TO THE PUBLIC SECTOR SINCE 1990.
Under age 30 Age 30 – 39 Age 40 – 49 Age 50 – 54 Age 55 – 59 Age 60 plus
WHAT CAN YOU DO?
Phone: 01 829 8500, Email:
kevin@ipl.ie, Visit us:
www.ipf.ie or Suite 3 & 4, Gowna Plaza, Bracetown Business Park, Clonee, Co. Meath. Percentage %
Owen Dwyer & David Dunleavy t/a Irish Pensions & Finance/Personal & Corporate PFS are regulated by the Financial Regulator. Under age 30 Age 30 – 39 Age 40 – 49 Age 50 – 54 Age 55 – 59 Age 60 plus
STATE PENSION AGE TO 68 BY THE YEAR 2028
CONTRIBUTIONS TO BE GREATLY REDUCED
CONTRIBUTIONS TO BE GREATLY REDUCED
CONTRIBUTIONS TO BE GREATLY REDUCED
TAX RELIEF ON PENSION
MAXIMUM CONTRIBUTION LEVELS Age
TAX RELIEF ON PENSION
TAX RELIEF ON PENSION
15% 20% 25% 30% 35% 40%
Percentage % 15% 20% 25% 30% 35% 40%
Contribution Tax from Gross Relief Salary
€100 €100 €100 €100
COST OF CONTRIBUTIONS RSI
Relief €41 (41%) €8 (8%) Net
from Salary €51
€41 (41%) €4.90 (4.9%) €54.10 €20 (20%) €8 (8%)
€72 €20 (20%) €4.90 (4.9%) €75.10 Cost
STATE PENSION AGE TO 68 BY THE YEAR 2028
STATE PENSION AGE TO 68 BY THE YEAR 2028
INCREASE IN INCREASE IN
MAXIMUM CONTRIBUTION LEVELS Age
COST OF C
Contribution Tax from Gross Relief Salary
€100 €100 €100 €100
€41 (41 €41 (41 €20 (20 €20 (20
INCREASE IN
PAY PARITY TO BE BROKEN
PAY PARITY TO BE BROKEN
TAX RELIEF ON PENSION
CONTRIBUTIONS TO BE GREATLY REDUCED
25/01/2010 10:06:51
Phone: 01 829 8500, Email:
kevin@ipl.ie, Visit us:
www.ipf.ie or Suite 3 & 4, Gowna Plaza, Bracetown Business Park, Clonee, Co. Meath. Phone: 01 829 8500, Email:
kevin@ipl.ie, Visit us:
www.ipf.ie or Suite 3 & 4, Gowna Plaza, Bracetown Business Park, Clonee, Co. Meath.
Owen Dwyer & David Dunleavy t/a Irish Pensions & Finance/Personal & Corporate PFS are regulated by the Financial Regulator.Owen Dwyer & David Dunleavy t/a Irish Pensions & Finance/Personal & Corporate PFS are regulated by the Financial Regulator.
Phone: 01 829 8500, Email:
kevin@ipl.ie, Visit us:
www.ipf.ie or Suite 3 & 4, Gowna Plaza, Bracetown Business Park, Clonee, Co. Meath. Owen Dwyer & David Dunleavy t/a Irish Pensions & Finance/Personal & Corporate PFS are regulated by the Financial Regulator.
Phone: 01 829 8500, Email:
kevin@ipl.ie, Visit us:
www.ipf.ie or Suite 3 & 4, Gowna Plaza, Bracetown Business Park, Clonee, Co. Meath. Owen Dwyer & David Dunleavy t/a Irish Pensions & Finance/Personal & Corporate PFS are regulated by the Financial Regulator.
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124