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Cost of setting up a personal retirement bond

  • 29-04-2023 3:16pm
    Registered Users Posts: 3,760 ✭✭✭

    Just wondering if anyone had any experience of setting up a prb after leaving an employment, and the likely costs




  • Registered Users Posts: 13,031 ✭✭✭✭Geuze

    If you use a discount broker, the set-up costs are zero.

    For example:

    Charging Structure

    All Pension Products

    • 100% of your contribution is invested in your PRSA, Master Trust Executive Pension, AVC PRSA, ARF, Retirement Bond

    • There are no entry or sneaky exit charges on any products

    • The Annual Management Charge is 1% for PRSAs (including AVC PRSAs)


    • The Annual Management Charge for a Retirement Bond or ARF is 0.75%. NB: Lower AMCs available for substantial (circa €200k+) single contribution transfers.

    • The Annual Management Charge for a Single or Regular Personal Pension is 0.75% (minimum SP €10,000 or RP €500pm) . For contributions less than these it's 1%.

    • Master Trust Executive / Directors Pension - Minimum Regular Contribution €750pm (Single €20,000) - Annual Management Charge is 0.75%. For contributions less than these it's 1%.

    • The regulated entity is paid 0.25% by Zurich Life from the quoted annual management charges.

    • There is no additional broker fee

    • For some regular contribution contracts (eg. RACs & PRSAs), where the regulated entity inputs and generates the policy documents, Zurich Life will pay the intermediary for this work. This payment will be included in your disclosure documents, if it applies. This does not affect the charging structure.

    The only contracts currently available on these terms through are with Zurich Life Assurance plc.


    This should not be interpreted as a recommendation.