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  1. M

    Landrover Discovery 4 - VRT Query

    https://www.myvehicle.ie/car-news/new-5-seat-commercial-suv-vehicle-registration-tax-changes-and-how-they-will-impact-your-business The attached link is the original loophole that I was referring to but looks like it has since been closed.
  2. M

    Landrover Discovery 4 - VRT Query

    Many thanks for such a comprehensive reply, really appreciate the effort you put into it.
  3. M

    Defined benefit - Pension Query

    Spoke with broker today and they believe the 100% transfer value will remain for a bit more and fairly confident until end of year so that has taken the pressure off to do something in a rush.
  4. M

    Landrover Discovery 4 - VRT Query

    Thanks for replies. The vehicle will be solely owned by me and used for personal and work travel. There seems to be mixed messages the more i speak to. Some say that the DIsco4 (and a few other vehicles) are classed as commercial (5 seater and not 7 seater) and that it is Category N1 from a...
  5. M

    Landrover Discovery 4 - VRT Query

    Thinking of buying the above and have seen one in Northern Ireland and wish to import into Rep of Ire. Car is 5 seater but i am told they are classified as Commercial. I am personal user and not a business so no VAT involved etc. Can anyone assist with what will be the VRT charge. If you go on...
  6. M

    Greenman Open Fund

    Considering investing a PRB with Aviva Friends First in Greenman Open Fund. This fund is invested in German Commercial property predominantly retail. Fund targets 5.5%pa and annualized target of 8% over a 5yr period. Appreciate any thoughts on this as I wasn't aware of them previously.
  7. M

    Defined benefit - Pension Query

    Many thanks for this explanation - that is very helpful.
  8. M

    Defined benefit - Pension Query

    Thanks for reply. The strange thing is I wasn't aware of the Aug date and it only came to light when I asked for a current valuation. I suspect I wouldn't have been told otherwise and wonder if they are just taking the opportunity to try get rid of deferred members. The 100% transfer value has...
  9. M

    Defined benefit - Pension Query

    Thanks for the reply. The €14K is guaranteed for 5 years and for my lifetime after that is how it is worded.
  10. M

    Defined benefit - Pension Query

    Hi I have a Smurfit Kappa Defined benefit pension and am a deferred member for about 15years now. To date all the advice was not to transfer it to say a PRB for example and leave it sit and words like "gold plated" were used. However in a recent meeting with a QFA his advice was to move it for...
  11. M

    Children's Allowance Saving Advice

    https://www.statesavings.ie/media/pdf/brochure-instalment-savings
  12. M

    Children's Allowance Saving Advice

    Thanks for replies. My plan is to try leave it untouched until they are 18. The An Post Child Saver 5 Yr account is where my thoughts are at so far but also thinking of the 10Yr solidarity Bond. Appreciate any thoughts.
  13. M

    Children's Allowance Saving Advice

    Thanks for reply. I seen some of the previous posts and because they were old I was essentially checking if there was anything more current that I should consider. The An Post account seems popular as it is tax free. In relation to mortgage I didn't think this was advisable as it is a tracker...
  14. M

    Children's Allowance Saving Advice

    Hi, we have twins and receiving €420 / month children's allowance which we would like to save for them. What account would you recommend for this?. I have looked at Best Buys regular Saver but just would like advice from anybody in similar position. Thanks, appreciate any help.
  15. M

    Nationwide UK Regular Saver 4%

    Hi I had one of the above accounts which has matured and I have closed it. I know you can only have one account but are you allowed open another account now that the first one is finished and funds transferred to another non Nationwide account? Thanks
  16. M

    AIB Irish Life MAPS Fund Query

    Thanks for reply Steven. I have replied to the questions up above. I haven't invested in anything yet but was looking at the Irish Life MAPS4 fund. I think there are 7 of them but could be wrong. It was a fund that had nothing in cash and they claim that they move part of the fund from other...
  17. M

    AIB Irish Life MAPS Fund Query

    Thanks for the replies. Are there any funds that anybody would recommend similar to this that I should look at for comparison purposes?
  18. M

    AIB Irish Life MAPS Fund Query

    Hi I met with AIB advisor recently and he told me about the above product and also about Dynamic Share to Cash Model which is their way of trying to move shares to cash early if there is going to be a crash. Based on my level of risk (middle of the road), returns for 2014 were 12.2%. The...
  19. M

    AIB fixed term deposit now Select Fixed Term

    Thanks. Ciaran, I already have a KBC account and have spread money in order to ensure the government guarantees and that is why I have the AIB account
  20. M

    AIB fixed term deposit now Select Fixed Term

    Hi I have a fixed term account with AIB and received a letter from them today saying that from May 11th this account will be replaced by a new "Select Fixed Term" account and that I will no longer be able to reinvest in original account. They say at maturity it will automatically change to the...
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