Personal Retirement Bond

Personal Retirement Bond (PRB) – Take Control of your Pension 

A Personal Retirement Bond (also known as a Buy Out Bond) allows you to transfer your former company pension to a personally owned pension plan, to access at your retirement age. It puts you in control of your pension assets. 

Who can set up a Personal Retirement Bond (PRB)?

• Anyone leaving or already left an employment with a pension fund relating to that employment.
• Anyone leaving their occupational pension scheme.
• Anyone whose company pension scheme is being wound up

What are the Benefits of the Harvest Personal Retirement Bond (PRB)?

• You have control over where your funds are invested. You can invest in Property, Funds, Shares and Bank Deposits.
• You can access the fund from age 50 (subject to certain conditions).
• You have control over the cost of your fund.

Why Chose Harvest for your PRB?

• You want a competitive and transparent charging structure.
• You want an investment portfolio designed around your need and long term objectives.
• You want a clear picture of the retirement income  from your pension.
• You want transparent advice with no ties to banks or institutions.
• You want the best advice – Harvest have won Pension Broker of the Year 2015, 2016,2017 and 2018 award at the Irish Pensions Awards.

Self-Administered or Insured PRB ?

• A Self-Administered PRB offers you more flexibility and control over your funds.
• A Self-Administered PRB typically offers a wider range of investment options.
• An insured PRB allows you to select from a range of pre-constructed investment options with less need for you to have an input into your investment portfolio.
• Harvest will advise you as to which structure best meets your retirement objectives.

To find out more about PRBs, and for a clear picture of what retirement income your pension might provide  you with, contact Harvest at justask@harvestfinancial.ie or on 01 2375500.

Click here to find out more about a Personal Retirement Bond