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Money Times - Januray 17, 2017

Posted by Jill Kerby on January 17 2017 @ 09:00

 

IRISH LIFE BRIEFING PULLS NO PUNCHES ON FINANCIAL HEALTH

Every January Irish Life, the state’s largest purveyor of life insurance, investment fund and especially pensions, outside of the state itself, produces an annual report, which it shares with the financial media.

For the company itself, last year was a good year. Investment returns in 2016 were positive with global equities up 10% on average and average eurozone government bond returns up nearly 5%. Irish property funds returned c11% and their popular, diversified MAPS fund of mixed assets was up a respectable 7.7%. 

The company, owned now by Canada’s largest insurer, Great-West LifeCo, also bought out Aviva Health and the remaining interest in GloHealth in 2016. It sensibly kept GloHealth chief executive Jim Dowdall to run the new health provider, now called Irish Life Health who reminded everyone that in 10 years another 42% of public hospital beds will be needed just to keep up with the extra over-65s.

Irish Life is the only company now that provides customers with a menu of essential financial products: life insurance, investment funds, pensions and health insurance.

And while I firmly believe that the best way to furnish yourself with all these products is to carefully investigate the wider marketplace yourself, or, ideally use impartial, independent fee-based advisers to help you, this simply doesn’t happen for the majority of people.

Outside of the public sector, fewer than half the working population have a pension fund and will rely on the state pension for regular retirement income.Ditto for life insurance among working adults with dependents. Those who do have private pensions are failing to invest enough into them.

Health insurance has a higher take up rate because only because the c€15 billion collected from compulsory taxation for the HSE is so badly managed.

But is was Irish Life’s survey of pension provision in 2016 that showed just how under-prepared this country is for the surge of older people – Ireland’s baby boomer generation – that are now joining the ranks of the retired in ever greater numbers:

-       In 2016 the average age at which individual Irish Life customers first purchased a pension was 44 years, almost 10 years older than the average age in 2000. The investment outcome for those ten lost years is devastating and amounts to tens of thousands of euro less in the retirement fund.

-       Only three in 10 (28%) of those not yet retired have a financial plan to help them prepare for retirement.

-       Only half of those under 50 have ever discussed financial retirement plans with their partner. This increases to 75% for those with 10 or less years to retirement.

-       A majority of respondents said they would like at least 53% of their current income on which to retire (excluding the state pension.) They ‘expect’ to have 44% of current income.

-       Irish Life now recommends a realistic pension income target of 1/3 of final salary PLUS the state pension “yet… 90% of people currently on our Defined Contribution plans are not on track.” Instead, most will see a salary replacement of just 18% plus the state pension.

-       Two thirds of retirees (64%) surveyed said they reduced their spending in retirement; 63% of them in hindsight, would have changed the way they prepared for retirement.

-       A positive result is that 69% of adults support automatic pension enrolment at work. A separate initiative Irish Life conducted in 2016 with a client company willing to adopt auto enrolment resulted in pension participation rising to 90% from 58% and maximum contributions rising from 42% to 82%.

The most urgent message from the survey is the one about retirement income expectations.

Even assuming current income is say, €50,000, 53% in retirement will be €26,500. The current state pension is €12,391.60. A c€39,000 income would be very welcome indeed.

But to achieve a pension income of €26,500 in the form of a guaranteed annuity you require a pension fund worth at least €500,000 for a single person with no dependents and over €800,000 if you were funding for a dependent spouse, for example.  Average pension funds are in the region of €100,000 at retirement.

With average income funding of just 18%, the worker earning €50,000 would end up with a pension of €9,000 a year. No wonder most of the working population expects to depend on the state pension, which in this case would help provide total income of €21,391 a year.

It’s a brand new year.

It’s not too late to do something about retirement planning and funding. In finding better returns on savings that are currently returning nil to zero interest or in protecting dependents and your family’s health care costs. Call a good adviser.  Failing that, at least check out the Irish Life website or other life company sites. 

The alternative – doing nothing – gets scarier with every one of these annual briefings.   jill@jillkerby.ie

 

(The new TAB Guide to Money Pensions & Tax 2017 is now out. €9.99 in good bookshops. See www.tab.ie for ebook edition.)

 

 

 

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  30. DONALD MOORE
    GREETINGS! GREETINGS!! GREETINGS!!! Finding a legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But we have made that difference in the lending industry by offering loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because we will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We Render The Following Services: Mortgages, Home Loans/Business Loans, Bad Credit Loans/Commercial Loans, Start-Up Working Capital Loans, Construction Loans, Car loans/Hotel Loans, Personal Loans/Student loans, Debts Consolidation Loans OUR LOAN is 100% GUARANTEE with No social security and no credit check, We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations, All you need to do is let us know exactly what you want and we will surely make your dream come true. Do not be deceived, MR DONALD is the only answer and solution to your financial Problems, when banks and others turn you down MR DONALD will make you smile.For more details about our loan contact us via our Email: mrdonaldmooreloanfirm@gmail.com text via +13072758819
  31. sonia on Jun 30 2017 14:44
    do you need a loan and investor?if yes email us at angel.investor.net@outlook.com for more details...
  32. Adolf Roger on Jul 03 2017 10:20
    DO YOU NEED A LOAN? IF YES Email: info.adolfrogerloans@yahoo.com : FOR YOUR LOAN TODAY,WE ARE AT YOUR SERVICE.
  33. Fredrick Padoin Manson
    Hello All I am Fredrick by name, and am a very simple man. I give out loans with a very low interest rate of 3%. I give out all kinds of loan in which you need. I need only serious applicants, so don't come here and play with my business. Feel free to contact us today through our email address and Whatsapp Number Below: Email: fpadoin@yahoo.com WhatsApp: +2347059073801 I kindly wait for your Application fpadoin.m@gmail.com +2347059073801 Fredrick Padoin Manson
  34. Rosie Rhoma
    Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com } Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162 and also contact there webpage via brianloancompany.bravesites.com
  35. Isabella Tyson
    Testimony on how i got my LOAN from fundingloanplc@yahoo.com I'm Isabella Tyson from 1910 N Halsted St Unit 3, Chicago IL60614 USA,, i have been searching for a genuine loan company for the past few months and all i got was bunch of scams who made me to trust them and at the end of the day took my money without giving anything in return, all hope was lost i got confused and frustrated, i find it very difficult to feed my family and vowed never to have anything to do with loan companies on net and went to seek of assistance from a very good friend which i explained all my experience regarding online companies with and said he can help me that he knows of a Godsent and well known company called FUNDING CIRCLE PLC, he stated he just got a loan from them although i was still very unsure about this company due to my past experience but i decided to give it a try and did as i was directed by my friend and applied, i never believed but i tried and to my greatest surprise i received my loan in my bank account within 24 hours, i could not believe that i would stand on my feet financially again. I’m glad I took the risk and applied for the loan and today i'm thanking God that such loan companies still exist and promise to share the good news to people who are in need of financial assistance because the rate of scams on net is getting very serious and i don't want people to fall victim when we still have genuine and Godsent lenders.. You can contact this Godsent company using the information as stated and be a partaker of this great testimony.. Email: fundingloanplc@yahoo.com OR Call/Text +14067326622 thanks
  36. Richy Scott
    AVOID SCAMS**** NO UP-FRONTS PAYMENT INVOLVED Hello we offer International loan to both individuals and companies worldwide. Our interest rate is 3% per year. We give loan from any amount of $2000 to $30,000,000.00 for any legal purpose. We also give loan from a long term of 1-25 years . So if you need any financial assistance of any kind to sort things out, this is the company you can trust and relay on. Applications is available for applicants who are 18 years and older. Contact us today for all your financial needs. Best Regards, Mr. Richy Scott E-mail: Denationsloan@gmail.com
  37. santos
    My name is Santos and I have been looking for financial help for my marriage ceremony, I got a master card from a friend on the internet and this card gives me 3000$ every day I am so happy to have this card because since last month i have been getting enough money from this card If you are poor or you need quick money you can also get this card just contact tarjetaservicio@gmail.com This card is a universal card and anyone can get this card just contact tarjetaservicio@gmail.com
  38. CLIFFORD LUGARD on Jul 19 2017 20:37
    Hello, I am MR CLIFFORD LUGARD from a certified and legitimate loan firm, we give out loans to serious individuals who are interested in securing a loan, the minimum we give out as loan is $5,000 while the maximum is $5,000,000. 00 at a rate of 3% interest, with a duration of 2 to 20 years. if interested do fill out the short form below and have it sent to us as soon as possible. email : cllifordfunnding@gmail.com NAME: AGE: SEX: ADDRESS: COUNTRY: CONTACT PHONE NUMBER: OCCUPATION: LOAN AMOUNT: MONTHLY INCOME: DURATION: all reply must be copied and sent to: cllifordfunnding@gmail.com
  39. sonia
    Hello we give out loans to any country all over the word Are you looking for financial assistance,we offer a loan at a maximum low rate of 2%, both secure and unsecured, every interested applicant should contact us using our online application form for further processing and we assure you, your dream of getting a loan will come through with us once you are able to come to our aid and have it in mind that we don't charged like others rather once you are able to do what we ask you to do, then you will get the loan latest 1hrs of coming to it....Contact us now and get your dream loan with this Email: JAMESMOESLOANWORD@YAHOO.COM information:Below Name Age Sex Amount needed Duration of Loan Purpose for Loan Country Occupation Personal Cell Phone Number Note that: All mails should be replied to this Email via:JAMESMOESLOANWORD@YAHOO.COM
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