Breakdown of contributions
This page contains information on how your contributions are broken down
Clear Regular Invest Charges
Contribution Amount |
Investment Percentage |
|---|---|
< €9,000 |
100% |
< €15,000 |
100.5% |
>= €15,000 |
101% |
Investment Percentage |
|
|---|---|
Single Contribution |
100% |
% Charge |
|
|---|---|
Regular Contribution |
1.65% |
Single Contribution |
1.50% |
Regular Contribution |
Single Contribution |
|
|---|---|---|
Years 1 to 5 |
5%, 5%, 5%, 3%, 1% |
5%, 5%, 5%, 3%, 1% |
Pinnacle Charges
% Invested |
|
|---|---|
Regular Contribution |
101% |
Single Contribution |
101% |
% Charge |
|
|---|---|
Regular Contribution |
0.75% - 1.5% |
Single Contribution |
0.75% - 1.5% |
Note 1: These are the standard fund charges on this product. You may choose to invest in other funds with higher charges or where the charge could vary (for example if the fund is managed by an external manager (other than Irish Life Investment Managers). Our estimate of the maximum extra charge that could apply based on the funds currently available is 1.65%.
Note 2: If a single contribution over €7,500 is made in the first 12 months, the entire plan will get a fund charge reduction of either 0.25% or 0.5%. The size of this reduction will depend on the size of your regular contribution.
Regular Contribution |
Single Contribution |
|
|---|---|---|
Years 1 to 5 |
5%, 5%, 5%, 3%, 1% |
5%, 5%, 5%, 3%, 1% |
Clear Invest Bond Charges
Contribution Amount |
Investment Percentage |
|---|---|
< €100,000 |
100% |
< €200,000 |
100.5% |
>= €200,000 |
101% |
% Charge |
|
|---|---|
Single Contribution |
1.5% |
Single Contribution |
|
|---|---|
Years 1 to 5 |
5%, 5%, 5%, 3%, 1% |
Note 1: These are the standard fund charges on this product. You may choose to invest in other funds with higher charges or where the charge could vary (for example if the fund is managed by an external manager (other than Irish Life Investment Managers). Our estimate of the maximum extra charge that could apply based on the funds currently available is 1.1%.
Signature 1 Bond Charges
Contribution Amount |
Investment Percentage |
|---|---|
< €250,000 |
100% - 103% |
>= €250,000 |
100.5% - 103.5% |
% Charge |
|
|---|---|
Single Contribution |
1% - 1.5% |
Note 1: These are the standard fund charges on this product. You may choose to invest in other funds with higher charges or where the charge could vary (for example if the fund is managed by an external manager (other than Irish Life Investment Managers). Our estimate of the maximum extra charge that could apply based on the funds currently available is 1.35%.
Note 2: The fund charges will reduce by 0.1% after 5 years and again by 0.1% after 10 years.
Single Contribution |
|
|---|---|
Years 1 to 5 |
5%, 5%, 5%, 3%, 1% |
Signature 2 Bond Charges
Contribution Amount |
Investment Percentage |
|---|---|
< €250,000 |
97% - 100% |
>= €250,000 |
97.5% - 100.5% |
% Charge |
|
|---|---|
Single Contribution |
0.75% - 1.25% |
Note 1: These are the standard fund charges on this product. You may choose to invest in other funds with higher charges or where the charge could vary (for example if the fund is managed by an external manager (other than Irish Life Investment Managers). Our estimate of the maximum extra charge that could apply based on the funds currently available is 1.35%.
