By: Public Sector Retirement Advisors  05/12/2011
Keywords: retirement, Approved Retirement Funds, Retirement Funds

PSRA can advise on a wide range of savings and investment products and recommend an appropriate product given your financial situation. A full financial fact-find and investment review is undertaken to ensure a complete fit between your investment experience and existing investments, your attitude to risk, your expected return, the time frames involved and your investment goals.

The range of savings and investment available will suit the requirements of most from those seeking the best deposit rate in the short term to those interested in capital growth over longer periods of time. Indeed for many of PSRA's clients a combination of products is the appropriate path.  

PSRA advise on

  • Deposits - find the best available rate for your savings.
  • Capital Guaranteed Bonds - for those who want 100% capital guarantee on their original investment yet also aim to outperform the deposit rates currently available.
    • Also available are bonds where the majority of the amount invested is guaranteed, say 80% - 90%, and in return seek a higher potential rate of return.
  • Equity Based Investments - for those wishing to invest in the stock markets and seek long term capital growth.
  • Specialist Investments such as;
    • Green Investments
    • Ethical Investments
    • Sharia Compliant Investments
    • Emerging Markets
    • Commodities
    • Self-Directed Investments
  • Regular Savings Plans - in particular to meet children's future education cost or as a replacement to SSIA saving that you may have been making.
  • Approved Retirement Funds (ARFs) - a key financial product to be investigated closely for those about to or recently retired.
    • It can bring great benefits on terms of access to money in retirement, allow for astute taxation planning and provide a method to estate money to spouses or children. 
    • With the large variety of ARFs available on the it is important to choose the right one for you. Good potential for growth, minimum charges and excellent on-going service and advice are key here. 
    • Note you do not have to invest in an ARF with your AVC provider. Have an independent adviser search the market on your behalf.

Past performance is not a reliable guide to future performance. The value of your investment may go down as well as up. You may get back less than you put in.

Keywords: Approved Retirement Funds, retirement, Retirement Funds

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Other products and services from Public Sector Retirement Advisors


Services for Groups

PSRA are uniquely positioned to provide competitive financial schemes for members of Public Sector Unions & Associations and employees of Public Sector & Semi-State Employers. Individual members are increasingly financial savvy and are no longer tolerant of poorly performing group schemes with uncompetitive charges.


Retirement Planning

In order to properly understand your pension and ensure you receive the right advice it is important that you turn to the experts. While it is based on the simple concept that benefits are based on your service and salary at retirement. The public sector pension or Superannuation is an excellent benefit of your employment. Non- Pensionable income such as on-call income or private practice income. Inheritance and Marital separation Issues.


Salary Protection Insurance

Salary protection or income continuance policies are designed to protect against such a sharp drop in income and cause financial worries at a time when your focus will more than likely be on your health. Most permanent pensionable employees in the public sector are paid a full salary for 6 months followed by 6 months of half pay in the event of ill health.