ZURICH FEES & CHARGES FOR PENSION
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ZURICH Fees and Charges for Pension
Below is a summary and brief explanation of all of the main fees and charges associated with the Zurich’s Pension plans.
Fees and Charges
Zurich apply zero set up fees to your policy. Money Maximising Advisors charge zero set up fees also.
Allocation Rate
In summary, an allocation rate is the percentage of your funds that are actually transferred into your plan. For example, an allocation rate of 95% means that €95 out of every €100 that you contribute actually is received into your policy. It is always advised to get a 100% allocation rate if possible at a minimum.
A 100% allocation rate can have a significantly positive impact on your fund over a 10-20 year period particularly when added to any compound interest returns over the period of your plan.
Annual Management Charge (AMC)
This is a charge that all Providers apply to your fund annually. They charge this to manage your investment to ensure that your returns are maximised and react to market sentiment. Annual Management charges typically range from 1-2%.
Zurich applies a clear and competitive pricing structure for all pension investments. Annual management charges for both standard and Non standard funds is 1% with additional charges for easy access option. All contributions are fully allocated at 100%, with no separate policy fees and up to 4 free fund switch charges. This ensures transparent costs and full investment value for clients building their pension with Zurich.
Please see table below for breakdown of the specific fees & charges for all fund options.
Below is a short explainer video on how to read and understand the relevant charges mentioned in the table
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Money Maximising Advisors Limited is regulated by the Central Bank of Ireland.