Informed Decisions

Pension Readiness Calculator

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Are you pension ready?

Discover your financial future by trying our pension readiness calculator today.

Simply enter all the relevant details below (to the best of your knowledge) to find out how prepared you are for retirement and if you need to make any adjustments. We have filled in some details for you, but feel free to change as you see fit to better suit your personal circumstances.

Personal Information

Current Income & Employment

Rental & Investment Income

After taxes, maintenance, and management costs
From shares, bonds, REITs etc.

Irish State Pension

All Personal & Occupational Pensions

Your Pensions (DC, PRSA, Personal Pensions)

Occupational DC, PRSA, Personal Pensions combined
Employer + Personal contributions per year as a % of gross salary
Expected defined benefit or public service pension income

Personal Savings & Investments

Stocks, bonds, shares, ETFs, mutual funds
Total lump sum amount you anticipate receiving prior to retirement (business exit, inheritance, redundancy etc.)

Property

Expected Retirement Expenses

Most assume c. 2.5%

Total Annual Expected Spending

€61,000
75%

Retirement Readiness

You can fund 15 of 20 retirement years

€38,500
Gross Annual Retirement Income
€35,200
Net Annual Income (after tax)
€512,000
Total Pension Pot at Retirement
15
Years Fully Funded (of 20)

Tax Analysis on Retirement Income

Gross Annual Income €38,500
Estimated Income Tax & USC €3,300
Effective Tax Rate 8.6%
Net Annual Income €35,200
*Rental income already shown as net. Tax calculation includes personal allowances and credits.

Annual Income Sources at Retirement

Your Irish State Pension €10,976
Your DC Pension (4% withdrawal) €20,480
DB/Public Service Pension €0
Personal Investments (4% withdrawal) €4,400
Rental & Investment Income (Net) €0
Total Gross Annual Income €38,052
Your calculation: 25 of 30 required PRSI years (83% of €13,172 maximum)

Priority Recommendations:

  • Consider increasing pension contributions by 2% of salary
  • Review investment strategy for better growth potential
  • Maximize annual tax-advantaged account contributions
  • Consider professional financial planning advice

Next Steps

Are we a good fit?

If this sounds like the kind of relationship you want, please check out Who We Serve to see if we are a good fit to work together.

Who we serve
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Plan

As part of the MasterPlanTM project we analyse, critique and develop a clear financial strategy for your future. We will help you answer important and expensive questions:

Will we have enough money to live a comfortable lifestyle?
What is the optimum income strategy to maximise pension & investment draw-down?
What does my financial future look like, and what do I need to do to maximise it?
How can I securely access secure best-in-class global index funds?
How can we avoid losing to inflation over the long term, safely?
Am I over-paying or missing out on some valuable tax opportunities?
How best to balance our own needs, and passing wealth to the next generation?
How can I avoid costly strategy errors in my financial structures and planning?
Who is best placed to help me implement and manage my finances into the future?
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Investment Philosophy

Only when we have an agreed plan will we  implement the new structures that optimise returns, tax, income and cost efficiency. Our portfolio selection and investment process is guided by a hundred years of empirical data, decades of academic research by renowned economists and the practices of leading institutional investors.

Our core investment philosophy is based on these 7 values:

1

Risk and return are related

There is good risk and bad risk. Higher exposure to the right risk factors or premia leads to higher expected returns but is no guarantee of them. Risk is the premium investors pay for the expectation of a greater return.

2

The capital markets work

The prices of securities reflect the expectations of all market participants. The capital markets are far from perfect, but they do a good job of fairly pricing all available information and investor expectations about publicly traded securities.

3

Asset allocation and portfolio structure drive portfolio return

The most important factor determining the level of risk and variability of return in a portfolio is asset allocation.

4

Consistent outperformance is rare

Economic uncertainties, random market movements, and the rise and fall of individual companies mean it is extremely difficult for anyone – including professional fund managers – to beat the market in the long term. There is a significant body of research to suggest that outperformance, achieved only by a minority of fund managers, is down to luck rather than skill.

5

Costs matter

Costs reduce an investor’s net return and represent a hurdle for a fund. Before a fund can outperform, it must first add enough value to cover its costs. Sadly, the vast majority of professional fund managers and advisors fail to add value and high cost is a strong predictor of poor fund performance.

6

Investor behaviour is a key determinant of long-term outcome

All too often, investors let their emotions get the better of them with dire consequences for investment returns. We know that we add significant value by helping clients maintain a disciplined approach, especially in extreme market conditions.

7

Diversification is essential

Diversification is the principle of spreading your investment risk around. Our investment portfolios hold the shares and bonds of thousands of successful companies and governments in many countries around the world.

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Partnership

The foundation of our relationships is mutual trust and respect. Below, some of the customers, who trust us to help them, share their stories. Your success is our success.

We work with you on an on-going basis to implement our determined investment, income, spending and gifting strategy. If you haven’t already, our work will help you Achieve the confidence to cross the retirement finish line, safe in the knowledge that you will be able to live the life you want and achieve the things you’ve always wanted to.

If this sounds like the kind of relationship you want with your advisor, read Who We Serve to see if you are potentially a good fit for our firm.

Benefits of Working With Informed Decisions

Informed Decisions Master Plan

Real Investment Returns

Trust

Tax Efficient

Save Money

Value For Money

Informed Decisions Master Plan

Clarity & Confidence

Trust

Dedicated Personal Service

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Stewardship & Council

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Our Fee Guarantee

Guarantee

Our priority is to bring value to your life.

We only work with clients we know we can add substantial value to their lives.

If, within 6 months of working with us, you don’t feel you’ve received the on-going advisory service you’ve signed-up for, we offer a full fee refund, and will help you move to another firm.

No questions asked

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We do our best work with, and deliver most value to diligent savers who have accumulated retirement & investment nest eggs of €1m or more.

The details collected in this form will be used so that we can contact you in relation to your query either by telephone or email. You can read our privacy policy here.

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You could get back less than you invest. Your capital is at risk in such investments. The value of your investments will rise and fall. Informed Decisions Limited T/A Informed Decisions Financial Planning is regulated by the Central Bank of Ireland
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