Breakdown of contributions
This page contains information on how your contributions are broken down
Clear PRSA & Executive Plan Charges
% of Contribution invested
Contribution Amount |
Investment Percentage |
|---|---|
< €9,000 |
95% - 100% |
< €12,000 |
95.75% - 100% |
>=€12,000 |
96.5% - 100% |
*Investment percentage increases by 0.5% after year 6 up to a maximum of 100%
Contribution Amount |
Investment Percentage |
|---|---|
< €12,500 |
95% - 100% |
< €25,000 |
95.75% - 100% |
>= €25,000 |
96.5% - 100% |
- Transfer Value - 100%
% Charge |
|
|---|---|
Regular Contribution |
1% |
Single Contribution |
1% |
Transfer Value |
1% |
Note 1: Irish Life has two seperate versions of each of the above products. The table above summarises the charges across each of the products
Complete Solutions Standard & Options PRSA Charges
% of Contribution Invested (Note 1)
Contribution Amount |
Investment Percentage |
|---|---|
< €5,000 |
95% - 100% |
< €10,000 |
95.75% - 100% |
>= €10,000 |
96.5% - 100% |
Contribution Amount |
Investment Percentage |
|---|---|
< €12,500 |
95% - 100% |
< €25,000 |
95.75% - 100% |
>= €25,000 |
96.5% - 100% |
- Transfer Value - 100%
% Charge |
|
|---|---|
Regular Contribution |
1% |
Single Contribution |
1% |
Transfer Value |
1% |
Note 1: Irish Life has four seperate versions of each of the above products. The table above summarises the charges across each of the products.
Note 2: These are the standard fund charges on this product. You may choose to invest in other funds with higher charges (for example if the fund is managed by an external manager (other than Irish Life Investment Managers). The maximum extra charge that could apply based on the funds currently available is 1.6% on Complete Solutions Options PRSA. The maximum yearly charge on Complete Solutions Standard PRSA is 1%.
Complete Solutions 1 - Personal & Company Charges
% of Contribution invested
Contribution Amount |
Investment Percentage |
|---|---|
< €2,400 |
91% - 100% |
< €100,000 |
93% - 100% |
>= €100,000 |
93% - 101% |
Contribution Amount |
Investment Percentage |
|---|---|
< €20,000 |
95% - 103% |
>€50,000 |
96% - 103% |
>€100,000 |
97% - 104% |
>=€100,000 |
98% - 105% |
% Charge |
|
|---|---|
Regular Contribution |
0.75% - 1.25% |
Single Contribution |
0.75% - 1.25% |
Transfer Value |
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 1.15%.
Fee |
|
|---|---|
| Regular Contributions Only | €4.50 |
Regular Contribution |
Single Contribution |
|
|---|---|---|
Years 1 to 5 |
5%, 5%, 5%, 3%, 1% |
5%, 5%, 5%, 3%, 1% |
Complete Solutions Investment Only Charges
% of Contribution invested
Contribution Amount |
Investment Percentage |
|---|---|
< €2,400 |
92% - 98% |
<=€100,000 |
94% - 100% |
Contribution Amount |
Investment Percentage |
|---|---|
< €100,000 |
95% - 100% |
>=€100,000 |
95% - 101% |
Transfer Value - as per single contribution
% Charge |
|
|---|---|
Single Contribution |
0.75% - 1.25% |
Transfer Value |
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 1.15%.
Fee |
|
|---|---|
| Regular Contributions Only | €4.50 |
Complete Solutions 2(Personal & Company) Charges
% of Contribution Invested
Contribution Amount |
Investment Percentage |
|---|---|
< €2,400 |
92% - 98% |
>= €100,000 |
94% - 100% |
Contribution Amount |
Investment Percentage |
|---|---|
< €100,000 |
95% - 100% |
>€100,000 |
95% - 101% |
- Transfer Value - as per single contribution
% Charge |
|
|---|---|
Regular Contribution |
0.75% - 1.25% |
Single Contribution |
0.75% - 1.25% |
Transfer Value |
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 1.15%.
Fee |
|
|---|---|
| Regular Contributions Only | €4.50 |
Complete Solutions Personal Retirement Bond 1 Charges
% of Contribution Invested
Contribution Amount |
Investment Percentage |
|---|---|
< €20,000 |
95% - 103% |
>€50,000 |
96% - 103% |
>€100,000 |
97% - 104% |
>= €100,000 |
98% - 105% |
- Transfer value per year - As per single contribution
% Charge |
|
|---|---|
Single Contribution |
0.75% - 1.25% |
Transfer Value |
0.75% - 1.25% |
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 1.15%.
Complete Solutions ARF & AMRF 1 Charges
% of Contribution Invested
Contribution Amount |
Investment Percentage |
|---|---|
< €50,000 |
96% - 103% |
>€100,000 |
97% - 104% |
>= €100,000 |
98% - 105% |
- Transfer Value per year - as per single contribution
% Charge |
|
|---|---|
Single Contribution |
1% - 1.5% |
Transfer Value |
1% - 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 1.15%
Complete Solutions ARF & AMRF 2 Charges
% of Contribution Invested
Contribution Amount |
Investment Percentage |
|---|---|
< €25,000 |
94% - 98% |
< €50,000 |
95% - 99% |
< €100,000 |
96% - 100% |
< €250,000 |
96.5% - 100.5% |
>= €250,000 |
98% - 101% |
- Transfer Value per year - as per single contribution
% Charge |
|
|---|---|
Single Contribution |
0.75% - 1.25% |
Transfer Value |
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 1.15%.
