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Personal Retirement Savings Account : ウィキペディア英語版 | Personal Retirement Savings Account
A Personal Retirement Savings Account (PRSA) is a type of savings account introduced to the Irish market in 2003. In an attempt to increase pension coverage, the Pensions Board introduces a retirement savings account that would entice the lower paid and self-employed to start making some pension provision. The intention was for PRSAs to supplement any State Retirement Benefits that would be payable in years to come. ==The product==
There are two types of PRSAs, Standard and Non-Standard. The ''Standard PRSA'' has a legal cap on charges. The maximum annual management charge is 1% and the maximum charge on each contribution is 5%. There can be no other charge applied to the setting up of a PRSA, unless it forms part of an overall financial review. In this case, a fee may be charged for the advice given. The Non-Standard PRSA can have charges higher than those stated for a Standard PRSA. A consumer can purchase a PRSA with or without advice. If the consumer does not need advice on the product or in selecting investment funds, they can buy a PRSA on an 'Execution Only' basis. The reward for the consumer in electing for this method of purchase is that they can buy the product without the 5% contribution charge. The PRSA product can also be used to supplement existing pension funding by making additional voluntary contributions to the main pension scheme available through employment.
抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)』 ■ウィキペディアで「Personal Retirement Savings Account」の詳細全文を読む
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