When starting a pension in Ireland, many people focus on cost over quality and seek out an “execution-only” PRSA (no advice option). However, whilst fees are hugely important, cost should never be the only deciding factor.
What also needs real consideration are:
- equity and investment style
- past performance
- added volatility management
all of which, play a major role in your long-term retirement outcome.
At One Quote Financial Brokers, we believe an Advice-based – Non-Standard PRSA delivers greater long-term value. Not only do you gain broader investment options, but you also benefit from ongoing support, professional guidance, and risk management tailored to your needs.
The low-cost alternative to Execution-Only PRSAs
Whilst we can offer an execution-only PRSA, to those who are convinced that they can handle higher levels of risk and our wedded in particular to passive management, our core focus is on value, not just headline cost.
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Our minimum Annual Management Charge (AMC) for an Advice-based – Non-Standard PRSA is 1.00% p.a., depending on contribution size.
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With advice, you gain access to a far wider fund universe, including non-standard PRSAs from top Irish insurers, along with long-term professional support to optimize your pension strategy.
Cost vs Value: The PRSA Trade-Off
Execution-only PRSAs may save you a small percentage in charges, but you sacrifice access to the full Irish PRSA funds market, broader diversification, and ongoing professional advice.
For example:
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Execution-only PRSAs: Lowest AMC in the active investment space is around 0.75% p.a., with restricted fund choice and no advice, with passive only at 0.70%.
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Advice-based – Non-Standard PRSAs: AMC typically 1.00%–1.25% p.a. (depending on contribution size), but with 100% allocation, wider fund access, risk management, and full support.
Our View:
Real value lies not in the cheapest AMC, but in unrestricted access to top-performing funds, expert advice, and long-term support.
Why Choose Advice-Based PRSAs with Us
An advice-based PRSA, helps you build a stronger, more resilient pension portfolio. With One Quote, you benefit from:
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Independent risk profiling tailored to your goals.
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100% investment allocation.
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Access to 100’s of funds with proven track records.
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Expertise in blending and hedging different fund manager styles.
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Active management of volatility and downside risk.
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Regular market updates and annual reviews.
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Free fund switches with no additional charges.
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Ongoing assistance with contribution changes, pauses, or lump sum injections.
Book Your Free PRSA Consultation
Choosing the right PRSA is about more than cost — it’s about building the strongest possible foundation for your retirement.
At One Quote Financial Brokers, we offer a free 30-minute consultation (by phone, Teams, or Zoom) to help you understand your options.
Getting in Touch
If choosing to contact us, seeking an Execution-only PRSA, you must clearly outline your intended regular month contribution level, as well as lump sum level where applicable. We cannot respond to, confirm terms, or arrange any such business without these details.
Call: 01 845 0049
Email: ken@onequote.ie
Contact: Ken O’Gorman – Pension Specialist (CB, QFA, RPA, SIA)
Or enquire online and tell us how we can help.
