Buy Out Bonds in Ireland
You can consolidate your pension benefits from the various jobs you may have held throughout your career into Buy Out Bonds, which you own and control. The value of benefits you may have built up in a former employer’s pension scheme are calculated and this ‘transfer value’ is then paid into your Buy Out Bond.
When you leave a job you will have to decide what to do with the pension benefits you may have built up.
With help from us you can create a diversified range of investments within your Buy Out Bond. This means you can spread your money in a way that suits your needs and is in line with your risk and return expectations.
Tax Free Growth
Funds in a Buy Out Bond grow tax-free until retirement, allowing your investments to accumulate more efficiently over time and potentially maximising your retirement funds.
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Flexibility
You can transfer the funds built up in your Buy Out Bond to another Buy Out Bond with a different life insurance company at any stage or you can transfer them into another employer pension scheme, if you join one at a later date.
Control Over Your Pension
A Buy Out Bond gives you full control of your pension fund when you leave a company pension scheme. Your previous employer has no further involvement once your pension is transferred. You can choose the funds ensuring they align with your financial goals and risk tolerance. If you leave your pension benefits in your former employers’ schemes you have no control over how the funds are invested.
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Planning Your Pension? Here's How a Financial Advisor Can Help
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What Difference Will Good Financial Advice Make?
* The Value of Financial Advice, 2016 PIBA / Standard Life
**Econometrics Models on the value of advice of a financial advisor, July 2016 Canada Cirano
