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I'll assume that what you mean is that are there some fund specific fees that you cannot see (?) 5*5 Global is an actively managed fund that currently has a selection of 50 equities (spread over 5 sectors) across the globe with 2% in Cash. It has a current Other Ongoing Cost charge of 0.04%...

...whilst also bearing in mind that if you chose different funds on two separate contracts you couldn't offset losses/gains on individual funds against each other. Whereas you can if it's within the same contract.

In addition to the potential tax implications that Steven mentioned ( assume OP paid in €25K - exit tax liability €2,050. Reinvest €27,950 and value grows to €30,000 - another €840.50 liability. If value of the €27,950 dropped on the new plan then the exit tax paid on the old plan won't be added...

I don't like this at all. You might not know much about pensions or performance but you must know how to negotiate. Contact someone else and ask for a price based on the values you've posted, without disclosing current costs. It looks like you don't have any exit charges to deal with as you...

It might be worth looking at a Pension Retirement Bond, as an alternative, if you are moving it.

Original pension wasn't a PRSA then.

Slightly dated and specific to AVC but you can follow it to Step 11

All PRSA transfers have to get 100% allocation. Providers can pay intermediaries for transfers and recoup the payment via the AMC. My knowledge of NI is limited as I never had any dealings with them. Really don't know what to say about the water / alt. energy funds except that they seem a bit...

Is the PRSA with the same product provider (pension company) at the moment? Or, are you moving it to a different pension provider? Gerard www.prsa.ie

My guess is that you chose a fund that had an AMC of 1% and Other Ongoing Charges of 0.2% In an effort to be totally transparent with the annual costs the pension provider has now decided to put it in your face on their platform. It was alway there. There is no obligation on the provider to...

Calculate the cost of the certainty of NSP using this Use the contribution arrived at above to estimate (using a growt rate of your choosing adjusted for charges) the might-be-more / might-be-less total fund at selected retirememt age. You can then weigh up the advantages/disadvantages of...

You can buy in a complex that has a Tourist designation (you'd probably do that if you wanted an agency to rent it out for you and occasionally use it yourself) or in a complex that has a Residential designation (you can currently rent those out but there have been talks about restricting that...

Instead of going all in on a home in the sun, why not find a friend to buy it with and half your costs? Agree in advance the usage eg. every second month (or 2/3 months) and alternate it every year, how long you're initially going to hold it for and and what happens if someone wants to sell...

Thread totally gone off topic but when you asked Davy what was going on, what did they say to you @WaterWater

Probably not the best person to be replying to this but, since no one else has, I'll give it a go. The execution only market is small. You might get the impression from AAM that it's bigger that it actually is becuase this is where a lot of those potential clients come to educate themselves. I...

Fund Performance has come up a lot, even though we’re, technically, not supposed to be considering it. Except when we're debating Passive V Active; then it's put forth as Gospel. The calculator is here Landing page shows: Fund Category - Pension / Gross of Tax Funds and PRSA Funds are what...

Great clarity @AJAM , thanks for following up. I'd say definitely everyone pays the same fees as they apply to the collective and not individual accounts. Gerard www.prsa.ie

Hi Bedlam, I'd be fighting this. There must be a broker/intermediary attached to the plan who got paid to to set it up for you. Start there, as Liam suggested. I presume it's paid-up now and that they're adding tiny incremental bonuses (or not) to it and saying that to be fair to all policy...

If you want advice you have to provide all the information that's required so that someone else can give you an informed opinion. It's just not good enough to not disclose or omit everything that's relevant. What date did you start the plan and are you contributing monthly only or was there a...

Do you have this in writing from them ie. we're not doing this or this so this is what you have to do, and tough luck. ? Onus is on Pheonix to come up with a solution that won't put you in a worse position. Gerard www.prsa.ie