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At IPF we specialise in the provision of retirement/ financial planning advice. We were established in 1993, with 28,000 clients & over €1 billion in funds under management. We are an Authorised Advisor which means we are not tied to any one company. We have an extremely experienced Board of Directors and are fully regulated by the Central Bank of Ireland. At IPF we specialise in the provision of retirement/ financial planning advice. We were established in 1993, with 28,000 clients & over €1 billion in funds under management. We are an Authorised Advisor which means we are not tied to any one company. We have an extremely experienced Board of Directors and are fully regulated by the Central Bank of Ireland.At IPF we specialise in the provision of retirement/ financial planning advice.
Build an additional fund to allow for early retirement or a shortfall in service.
Avail of generous tax relief of up to 40% in line with Revenue rules and regulations
Contributions taken at source by payroll, no need for direct debits.
Increase, decrease or stop payments at any time.
As a member of the Group AVC Scheme, you can avail of annual consultations with your dedicated IPF Advisor.
Public Sector employees can call our designated number and have their queries and questions dealt with by a qualified Financial Planner.
Each year, IPF hosts webinars for clients covering various topics designed to support your financial well-being.
Our Glidepath service is designed to guide you through the years approaching your retirement and help ensure you can make the most of your newfound freedom.
“Excellent service. Camila went through all the details in a very clear, and precise way and showed the real benefits of setting up an AVC fund. Would recommend.”
Thomas Brennan
30+Years running AVC schemes
€580mAVC funds saved
22k+AVC scheme members
4,000+Clients supported into retirement
An AVC is a tax-efficient way to build up a sum of money which can be used to supplement your pension benefits at retirement.
The majority of Public Sector employees will have access to a Group AVC scheme. Tax relief is applied at source for these schemes. Your employer will deduct your AVC contribution from your pre-tax pay. Therefore, only the net amount, i.e. after tax relief, is deducted from your salary.
AVCs are flexible, and you can adjust your contributions based on your financial situation at any time. This flexibility allows you to increase your contributions as your income grows or reduce them if you need more take-home pay. It is also possible to switch the fund that your AVC is invested in, however, it is advisable to speak to a Financial Planner before making changes to your plan.
If you move jobs within the Public Sector, your AVC should continue, assuming your new payroll has an AVC deduction facility. If you move to a new role outside of the Irish Public Sector, you will no longer be able to contribute to your plan, however, your AVC will remain invested for you until you are in receipt of your main scheme pension benefits.
You can only draw down your AVC benefits when you draw down your main scheme pension from your employer. In general, this will be after your date of retirement.
At retirement, your AVC may be used (subject to Revenue rules) to:
· Take a further taxable lump sum at retirement.
*As with your pension under the Superannuation Scheme, any AVC pension will be treated as earned income for tax purposes
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