Why do you need a pension?

To provide you with an income in retirement, pay your bills and have the financial ability to enjoy your new found freedom!

The sooner you start, the more you will have built up by retirement age, any time between 60 and age 75 or perhaps earlier if you have a company.

There are 3 very great advantages to investing into a pension plan:

  1. Tax relief on you or your company’s contribution, within certain limits.
  2. Largely tax free build up of funds over the years you are saving.
  3. Tax free lump sum at retirement age within certain limits.

Please email us if you would like to enquire further.

Please note that there are many kind of pension funds available, from those that guarantee your capital (lower returns), to ones that aim to preserve capital but do not guarantee capital (higher returns) to those that provide no certainty or security at all (highest returns) that tend to provide the strongest returns over time.

The decision as to what type of investment fund you should choose is not an easy one and that is where OBI can help you. The Risk Assessment Questionnaire which you can complete and submit online may give you a very good idea of what would suit you best.

Why not email us at ikennedy@obi.ie for further details. We’ll provide you with a best in market quote.

    RISK ASSESSMENT QUESTIONNAIRE

    YOU

    Name

    Email

    Investment Experience

    How experienced an investor are you?
    I am not experienced, I have rarely invested in the pastI have invested before but only in relatively simple productsAlthough I am not an expert, I do understand how markets work and am comfortable in my ability to make most investment decisionsI have made investments in the past and would consider myself an experienced investor

    Importance of this Investment

    How important to you, is the investment you are considering now?
    I am very reliant on this investment and would be in trouble if I lost any of itI have other funds/sources of income but would feel pain if I suffered significant losses nowI will not be reliant on this investment in the next 10 years, but I will be after thatThese are surplus funds and I am unlikely to be dependent on them

    Safety of this Investment

    Thinking of the investment you are about to make, do you agree/disagree with the following statement: ‘I want my investment to be safe even if it means lower returns in the long run’
    I strongly agree with this statementI tend to agree with this statementI neither agree nor disagree with this statementI tend to disagree with this statementI strongly disagree with this statement

    Risk and Return Expectations

    What risk and return expectations do you have for this investment?
    I would only invest if I had a guarantee of getting at least my original investment backI want to earn a little more than I could on deposit. I would only take on a small amount of risk to achieve thisI am looking for steady long term growth and am prepared for some short term fluctuations in the value of my investmentI am looking for strong long term growth and understand this could lead to large fluctuations in the value of my investmentI want to maximise returns and am very comfortable taking on a high degree of risk to achieve this

    Attitude to Short Term Loss

    In order to achieve higher returns you need to be comfortable with short term losses. What is the maximum percentage of loss you could tolerate in any 12 month period, before becoming uncomfortable?

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