TIPS FOR 2010

Decide to have a FINANCIAL REVIEW now , take stock of where you are at , and make plans for the future

INCOME PROTECTION : Your Income is your most important asset . You can protect it through Income protection so that in the event of being unable to work due to Illness or Accident , it can provide you with an Income of up to 75% of your usual Income.
If you don't have this cover in place , it is strongly recommended - the premium cost is tax deductible at up to 41%.
If you already have cover in place , it is worth reviewing to ensure it has kept pace with your current earnings

•LIFE & SPECIFIED ILLNESS COVER The majority of people are under insured . Life cover is relatively good value . And it may be possible to get Tax relief on your premium . Now is a good time to review your existing cover and bring it up to the level required

•PENSION : half of the country’s workers do not have any Pension provision in place , and for those who do most are short of the level required .
With Stock market falls over the last year , there is good value to be had in many Pension funds at present as you can buy in at much lower prices
You can also qualify for Tax and PRSI relief up to 49% - almost halving the cost of your Pension .
And if you pay a LUMP SUM BEFORE 31st OCT 2010 , you can carry this back against your Income in 2009 and RECOVER TAX ALREADY PAID.

•SAVING & INVESTMENT OPTIONS : subject to minimum of €150 monthly or €5,000 lump sum . Opportunity to buy in now at knocked down prices & look for recovery over the medium to longer term – usually subject to minimum 5 year period.
Also includes PROPERTY SYNDICATE OPPORTUNITIES : Min €50,000 : in the U.K. , Germany and the U.S .

OVERSEAS PROPERTY : We offer a slick city centre development in the Government area with great rental potential . Despite weakness in other Property markets , prices in our first scheme launched in 2006 are up 25% . Prices start at €3,000 per sq m , less than 40% of Dublin equivalent . One beds from €165,000 and two beds from €227,000

TAXATION : Review whether you have been obtaining all the reliefs to which you are entitled such as Mortgage interest relief at source (MIRAS) and Medical Expenses . And whether you are maximising the generous Tax relief available on Pensions , Income protection and Life cover (if arranged through a Pension)

It will cost you nothing to inquire in to those areas above, but it may save you a lot of money: why not contact us TODAY ?

WARNING : THE VALUE OF YOUR INVESTMENT MAY GO DOWN AS WELL AS UP. PAST PERFORMANCE IS NOT A RELIABLE GUIDE TO FUTURE PERFORMANCE . WHERE PROJECTED RETURNS ARE PROVIDED , THESE ARE ESTIMATES ONLY. THEY ARE NOT A RELIABLE GUIDE TO THE FUTURE PERFORMANCE OF THE INVESTMENT