1. O’Connor Sutton Cronin CPD Pension Presentation
What is a Pension?
Types of Pension
State Pension
Issues for the future
Investment issues
Options at retirement
Tax issues
O’Connor Sutton Cronin scheme
Executive Benefits Limited
Executive Benefits Limited

2. O’Connor Sutton Cronin CPD Pension Presentation
What is a Pension?
Income in Retirement
A tax-efficient investment vehicle
Strong Savings Discipline
What is Retirement?
Stop work, or work differently, and for how long?
More flexibility
Phased Retirement
Why Bother?
Living longer
Staying healthy
Lifestyle aspirations
Executive Benefits Limited

3. O’Connor Sutton Cronin CPD Pension Presentation
Types of Pensions
State Pension
Occupational/Superannuation/Company Pension
Defined Benefit/Defined Contribution Schemes
Executive Pension
Additional Voluntary Contribution (AVC)
Personal Pension (RAC)
Personal Retirement Savings Account (PRSA)
Personal Retirement Bond (PRB)
Self-Administered Pension
Annuity
Approved Retirement Fund (ARF)
-Transfer Issues:
Transfer In
Transfer Out
Executive Benefits Limited

4. O’Connor Sutton Cronin CPD Pension Presentation
Tax Reliefs
Personal Contributions 15%-40%
Company Contributions
Tax-Free Growth
Tax-Efficient Lump Sum at Retirement
Tax-Efficient Approved Retirement Fund (ARF)
Executive Benefits Limited

5. O’Connor Sutton Cronin CPD Pension Presentation
Investment Issues
Types of Funds
Default Funds
Lifestyling
Personal Choice
Personal Risk Profiling
Self-Administered Funds
Executive Benefits Limited

6. O’Connor Sutton Cronin CPD Pension Presentation
39 Year view of an Irish Life Pension Managed Fund
Executive Benefits Limited

7. O’Connor Sutton Cronin CPD Pension Presentation
Retirement Options
Tax-Efficient Lump Sum
Annuity
Approved Retirement Fund (ARF)
Self-Administered ARF
Treatment on Death in Retirement
Executive Benefits Limited

8. O’Connor Sutton Cronin CPD Pension Presentation
State Pension
2014 Age 66
2021 Age 67
2028 Age 68
€ per week (€12,131 per year)
Paid from current taxation
Likely to reduce in real terms?
Executive Benefits Limited

9. O’Connor Sutton Cronin CPD Pension Presentation
Thank You!
Tony Gleeson B.Comm, AIIPM
Executive Benefits Limited
Established 1982.
Executive Benefits Limited is regulated by the Central Bank of Ireland.
Executive Benefits Limited