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・ Personal record (sport)
・ Personal Reflections
・ Personal Relationships
・ Personal relationships of Alexander the Great
・ Personal relationships of Elvis Presley
・ Personal relationships of James VI and I
・ Personal relationships of Michael Jackson
・ Personal relationships of Paul McCartney
・ Personal Reminiscences of Henry Irving
・ Personal representative
・ Personal Representative (CSRT)
・ Personal Rescue Enclosure
・ Personal Responsibility and Work Opportunity Act
・ Personal Responsibility in a Desirable Environment
・ Personal Responsibility in Food Consumption Act
Personal Retirement Savings Account
・ Personal RF safety monitors
・ Personal rights
・ Personal Rights Association
・ Personal Rights in Defense and Education
・ Personal robot
・ Personal Role Radio
・ Personal Rule
・ Personal safety app
・ Personal seat license
・ Personal selling
・ Personal service
・ Personal service corporation
・ Personal Services
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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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