Below is a full list of FAQs. If you don't find the answer you're looking for, why not contact us using the form below.


Personal Clients

Self-administered means that you can control funding and investment decisions. The administration of the scheme, such as the accounting and processing of investments, is performed by us as the Pensioneer Trustee.

You can transfer the value of other pensions to your self-administered scheme. Certain rules cover what type of pension can be transferred, depending on the type of self-administered scheme set up. For example, a Small Self-Administered Scheme (SSAS) can only accept transfers from occupational pensions. Therefore, we would recommend that you consult your financial advisor before taking action.

You can invest in a wide variety of investments to suit your personal circumstances. Examples include: cash, government bonds, property, private equity, stocks and shares and tracker bonds. These investments can be sourced from a wide variety of domestic and international institutions.

Yes, your self-administered scheme can borrow to invest.

All investments must comply with Revenue rules. Revenue imposes two primary restrictions to investments. The first is Self Dealing: Your self-administered scheme cannot sell, lease to, or buy from yourself, your immediate family or your company / employer. The second is Pride in Possession articles: You cannot invest in certain alternative investments such as fine wines, vintage cars, works of art, yachts, race horses, etc. All investments within your self-administered scheme must be at arm’s length, transparent and for the sole purpose of providing benefits at retirement. Otherwise, you run the risk of falling foul of Revenue regulations and jeopardising the tax-exempt status of the self-administered scheme.

Your contributions depend on your age and salary. You can use our calculator to get an indicative quotation of your maximum allowable contribution.

In the event of death, the balance of the self-administered scheme can be passed to the estate. There are various options depending on the self-administered scheme you hold. For example, in the case of an Approved Retirement Fund (ARF), it is possible to pass the scheme to the spouse who can carry on the scheme in their name or just pass it to the estate. In the case of a Small Self-Administered Scheme (SSAS), a lump sum of up to four times the salary can be paid to the estate tax-free. In some cases, this may absorb the full value of the scheme. If not, an annual income for the dependants will be purchased with any surplus monies in the fund.

Our focus is on providing tax-efficient pension schemes to help you and your advisor to plan for your future retirement.  We can provide a broad range of services to help you achieve your financial objectives. Our services include: Buy Out Bonds (BOB), Personal Retirement Savings Accounts (PRSA), Approved Retirement Funds (ARF), Small Self-Administered Schemes (SSAS), Pension Consultancy and Compliance Consultancy. For details about these other services, please go to the 'Pension Products' section of our website.

The Normal Retirement Age for a SSAS is 60. Early retirement can be taken from 50 to 59 subject to certain restrictions. The restrictions include ceasing employment and selling your shares if you are a company director.

We will act as your scheme's Pensioneer Trustee and ensure your scheme is administered in line with Revenue rules.  A Client Portfolio Executive (CPE) will be assigned to you who will prepare annual accounts for your scheme.  Your CPE will work closely with you and/or your advisor to help you with any queries you have.