The APT Multimanager PRSA for the employed is a self directed Non - Standard PRSA which allows you to choose from a wide range of investment possibilities.
Our experienced investment consultants will work with you to identify and understand your investment objectives and attitude to risk.  We will then advise you on a suitable strategy to meet these objectives and help you with an appropriate investment structure.
Alternatively you may choose our Default Investment Strategy (DIS) which will make sure that your investments are appropriately matched to you retirement needs
As we are not affiliated to any financial institution or investment house and can provide you with impartial advice.  You can thus rest assured that the advice we give will be in your best interest.

The advantages of the PRSA are numerous, namely

Saving                 

The APT Multimanager PRSA allows you save for your retirement in a tax efficient way.

Employers

Employers may contribute on behalf of their employees without the constraints of a trust based occupational plan

Ownership

You achieve ownership of your pension assets by avoiding the necessity to buy an annuity (annuities are usually lost on the death of a spouse).  Your assets may remain in the PRSA until age 75.

Succession

The proceeds of your PRSA pass to your family or estate on the death of your spouse.

Control 

You own your pension assets and control how they are invested.

Flexibility

You can draw down income and capital from your fund after retirement as and when you require it.

Tax efficiency

Investments can continue to accumulate tax free within the PRSA until you withdraw them, subject to some restrictions. PRSA's can also be a very tax effective means of passing wealth on within a family.

Choice

The APT Multimanager PRSA can invest in a wide range of asset types, both direct and collective, with the potential for your pension fund to continue growing after you retire. You can alter the structure of your investment portfolio within the PRSA at any time.
APT online offers a robust interactive benefits portal for your APT Multimanager PRSA, where you can access you personal account online in a secure environment.

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