The decision to save for your future and putting money aside is an important first step and can give you a significant head start towards retirement planning. Our Perla Retirement Plan is a “unit-linked” plan, where life cover (up to 500% of income) can be combined with an investment for retirement. This plan also offers enough flexibility throughout the term of the policy to cater for the ever-changing needs. Planning for life's longest holiday has been made easy with the Pearla Retirement Plan. BenefitsYou can choose from a number of benefits available depending on your needs and circumstances. You can choose the level of cover to suit your needs. The level of cover can include:
Inflation ProofingInflation can erode your capital and thus your standard of living. It is wise to consider the impact of inflation when planning to invest for your future. To safeguard your investment you can choose to incorporate an inflation proofing rate into the plan where your premium can increase annually by 1% up to 7% in order to keep up with inflation. Choice of FundsYou can choose up to 5 funds from a range of independent funds tied to our Perla Retirement Plan and can invest a minimum of 20% in the chosen funds. You can spread your risk across several investment funds to suit your own ‘Risk Profile’. SwitchesOur Perla Retirement Plan allows you to switch between various fund options at any point in time to be able to take advantage of market developments. It allows one free switch per annum and further switches are charged at 2% of the amount switched. FlexibilityOur Perla Retirement Plan offers flexibility throughout the term of your plan to cater for life’s ever changing circumstances. The plan allows for changes to be made to your plan before each policy anniversary date. Premium BoostersApart from your regular contributions, you can also make additional payments, for a minimum amount of €350 per year, to increase the savings element. MaturityOur Perla Retirement Plan offers various maturity options including:
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