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If I can suggest, an objective comparison of PNS v's AVC's, depending on what a particular individual wants from their retirement planning & their circumstances might be best advice for the individual? Everything has it's +'s & -'s, including both AVC's & PNS !!

Will depend on the rules of the Scheme, and generally I think also needs the permission of the employer. But normally people are unpleasantly surprised at how much lower the pension might be compared with retiring at normal retirement age. Hope this helps. Retirement due to ill health can be...

A pension adjustment order (court order) requires a judicial separation or divorce under pertinent family law legislation (1995 or 1996). If it's merely a separation agreement with no court order, no legal entitlement exists. If PAO under court order, the court has discretion, depending on...

Please excuse me if this is a silly question, but have you explored what advice is available from your company re options, and what are the credentials of the person providing the advice? It's an important decision for you.

Please excuse me if this is a silly question, but safe to assume you have read / understand all the pertinent literature in detail as regards how the investment works, capital guarantees, etc? Then any queries, discuss in detail with the bank and keep at them til the situation is fully...

I'm confused why anyone might feel any other bank would be safer than one of the Irish banks, up to the published guarantee limit, other than pure fear for the sake of fear, regardless of the facts??

Many questions! a. the trustees are obliged to look after all members fairly, but current pensioners always have priority in the event of problems with funding deficits. b. I think we're all in trouble anyway if hyper-inflation strikes! c. I think it would be impossible to say with any certainty...

Any income, including pensions, is subject to tax under the PAYE regime (deducted at source), but how much you pay (if any) depends on where you are in the tax bands at the time. Impossible to predict, I feel. Don't rely on guesswork. Whether or not you are entitled to State Pension depends on a...

The financial section on yahoo.co.uk can chart historic prices of major world equities & indicies. Otherwise speak to a reputable stockbroking firm - they can provide a lot of vital info for serious investors. You could also check out they used to have fantastic historical info incl financials...

It would be interesting to know what the 'accountant' proposed as a better alternative, and what objective figures the 'accountant' had to back up his / her recommendation. Agree with Duke of Marmalade, good professional advice may be an option. Brings to mind what Red Adair (deceased) said...

Might be worth checking if the tax relief on possible contributions to PRSA from the 'contract employment' now exceeds the potential tax liability when drawing the benefits down? If tax relief now only equals tax liability on drawdown, no real advantage, when you consider setup & ongoing...

If I can suggest, professional help may often be the quickest & most economic route, all things considered. They should be in a knowledgeable position to guide on your query. The Mediators Institute of Ireland gives lists of qualified professionals. By the way, it's only assets, incl pensions...

Micheline McCormack's book, 'DIY Divorce, Divorce on a Shoestring' has quite a bit of useful information. If the size & title doesn't put you off, the Law Society's Family Law guide, edited by Geoffrey Shannon, has a lot of detailed, though readable, info. Available on loan from many public...

Re misrepresenting anything in an affidavit, It's as if you lied under oath, if found out!!! Don't do it!

I believe "proper provision" for both parties is a fundamental tenet, so as YOBR said, the mortgage burden doesn't just rest on your shoulders alone. Have you considered the dispute resolution/mediation or arbitration routes as well as the legal?

Government bonds might be a reasonable choice - even though these are not completely risk free these days, but what is? Look at www.ntma.ie for more, but hold them to maturity to avoid variations in market value.

No, I don't think there is any extra widow's pension from Superannuation on death shortly after retirement. It should be in the Superannuation Handbook, you could check at http://www.cspensions.gov.ie/superAnnHBs.asp

Bottom line - that wouldn't be a great idea! Investments are always increasing & decreasing in value, including your house for example! But that wouldn't cause you to sell your house, would it? Admitted this trough has been particularly severe, but therein lies the opportunity for real...

First consider the affordability of AVC contributions in your current circumstances, then the tax relief advantages. Personally, I feel it is a bit academic to start targeting fund values many years hence since rapid change is such a big feature of people's lives these days! Check out the type...

thanks, great info