Davy's Debt & Specialist Finance team is the largest in Ireland. We act for both borrowers and investors in the global debt markets.
We are active traders in all sovereign bonds and global credits, and are primary dealers of Irish government bonds.
Our Institutional Services are supported by innovative, timely and commercial ideas based on our knowledge and understanding of the companies we cover and the industries in which they operate.
For more than 85 years, Davy has been committed to serving charitable organisations.
Davy Charities offers comprehensive investment solutions across the Charity, Not-For-Profit, Endowment and Philanthropic investment landscape.
Davy has over 15 years' experience in the credit union market in Ireland, and can offer investment expertise and assistance in relation to regulatory and market developments.
Our dedicated Credit Unions team provides a choice of service offerings to meet the individual requirements of each Credit Union.
Davy offers a competitive share dealing service for Employee Share Option Plans (ESOP).
We have a highly qualified and experienced ESOP team dedicated to assisting members of company share plans. Services include Approved Profit Share Schemes, Employee Share Option Schemes, Restricted Stock Unit Schemes, and Save As You Earn Schemes.
The key purpose of an ARF is to provide benefits over the duration of your life from retirement and they should be viewed as long-term investments.
An ARF can accept transfers from a range of pensions, including
An ARF offers tax-free investment returns
Income withdrawal from an ARF is subject to income tax at your marginal rate. Legislation has introduced an annual taxable ‘imputed distribution’ which will be applied to the value of assets in ARFs. This means that PAYE will be payable on an amount which is assumed to be taken out of your ARF by you.
The imputed distribution amount as at January 2014 is 5% (where combined ARF and vested PRSA assets are greater than €2 million) of the value of your ARF as at 30 November each year.
This imputed distribution is applicable to ARF holders who are 60 or over for the full tax year.
There is a risk that the ARF investor who takes regular withdrawals and/or imputed distributions over the life of his/her retirement is exposed to “bomb out” risk, which is the risk that the income needs of an investor may not be met by the value of his/her ARF.
We provide clients with a wide range of personalised pension structures, all of which offer a range of flexible investment options. There are risks associated with pensions, and you should contact a Davy Portfolio Manager for advice to ensure that you choose a pension product that is right for you.
Davy is a Qualified Fund Manager to ARFs.
At Davy we know what it takes to build and manage wealth, and what it takes to preserve it. Let us help you plot your course. Talk to a Davy Portfolio Manager about developing your financial plan today.