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Vincent Casey Life and Pensions Co

Whether it’s saving for your children’s education, planning a holiday of a life time, making a major purchase or saving for your personal dream or goal, whatever the reasons we all want our money to work for us. Vincent Casey Life & Pensions has numerous different products to suit all needs and risk adversities. Whether you want to save €100 a month or invest €100,000 we will find a suitable product for you. We have a whole suite of alternatives ranging from low risk products to high risk products depending on your risk adversity.

The most important thing when making investment decisions is the time frame you are willing to invest for and the need for emergency access to your money. We always recommend that a person should have a good diversification in their funds while having some money available for emergency and other funds available for when they need it in the future e.g. Third Level Education. Below is an example of how expensive sending a child to college can be, are you prepared?

Cost of living for a student in Ireland for 2016/2017

 Living at homeLiving away from home
Annual Cost*€6,345€11,000
Total cost over 4 years€25,380€44,000
Source: DIT Student Cost of Living Guide 2015/2016. *this includes expenses, student contribution charge and rent.

WATCH YOUR SAVINGS GROW

 Number of years to college  
Monthly Premium8 years10 years12 years15 years18 years
€200€22,322€27,760€34,394€45,209€56,949
€300€33,484€41,461€51,591€67,813€85,424
€500€56,318€69,893€86,594€113,826€143,386

These examples assume a fund with a 6% per annum investment growth, a 1% annual management charge and 0.5% per annum renewal charge. The projected values are after exit tax (currently 33%). These figures are examples and are not guaranteed. The actual investment growth will depend on how your investments perform and may be worth more or less than shown here.

Warning: These figures are estimates only. They are not a reliable guide to the future performance of your investment.

As a financial broker we are ideally placed to arrange the savings and investment plans that best suit your needs.

Vincent Casey Life and Pensions Co
8, Newmarket Lane, Killarney, Co. Kerry | Office: 064 663 6410 | Mobile: 087 246 1599
Email: vcasey@lifeandpensionsco.ie

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