Low-Cost – Setup Only – PRSA Options

Setup-Only PRSAs in Ireland: Professional Advice, Full Control

At One Quote Financial Brokers, we understand that many self-employed professionals and owner-directors want flexibility and control over their pension investments. Our setup-only PRSA advisory service provides professional guidance to establish your pension, while allowing you to manage your investments going forward.

This service is suitable if you prefer low-cost funds, online access, and the freedom to make your own investment decisions.

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What is a Setup-Only PRSA?

A setup-only PRSA is a single-event advisory service focused solely on setting up your PRSA.

How it works:

• Advice is provided only for your PRSA setup after a detailed fact-find.

• A Statement of Suitability summarises our recommendations.

• No ongoing reviews or portfolio management are included unless a separate engagement is agreed.

Fees:

• One-off initial commission

• No ongoing trail commission

Regulatory Status:

• This is a single-event advisory service only.

• One Quote Financial Brokers is regulated by the Central Bank of Ireland as a Designated Investment Intermediary.

• Any PRSA arranged is subject to the provider’s terms and conditions.

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Why Choose a Setup-Only PRSA?

Clients often choose this service for:

✅ Access to low-cost fund options
✅ Flexibility to structure their own pension investments over time
✅ Ability to track global indices, such as the MSCI World Index
✅ Access to passive and active multi-asset funds
✅ 24/7 online portfolio access and daily valuation updates

Recent offerings from Royal London and Aviva provide options for low-cost PRSAs with broad fund access, suitable for clients who prefer to manage their own investments.

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Low-Cost PRSA – Key Details

Annual Management Charges (AMC):

• Passive funds: from 0.70% p.a.

• Actively managed funds: from 0.75% p.a.

Minimum Contributions:

• €500 per month (gross, before tax relief)

• Lump sum (if applicable): €25,000

Key Features:

• No broker setup fees

• 100% allocation of contributions

• No switching

• No Early-exit fees

• 24/7 online access

• Annual benefit statements

• Automatic fund rebalancing

Important:
Clients are responsible for ongoing investment decisions and monitoring. Future portfolio reviews are not included unless a new engagement is agreed.

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Notes on Passive and Active Investing

• Passive funds: Lower charges but cannot adapt to changing market conditions, which may increase exposure to market movements.

• Active funds: May adjust to market conditions but generally involve higher costs.

• Diversification: Using a mix of fund types may help manage risk.

• Behavioural risk: Past performance is not indicative of future returns.

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Full Advisory Alternative

For clients who prefer ongoing guidance, our full advisory service provides:

• Continuous risk management

• Annual portfolio reviews and rebalancing

• Access to a wider range of providers and funds

• Retained advice and ongoing portfolio monitoring

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How to Get Started

To use our setup-only PRSA service, please provide:

• Intended regular monthly contributions

• Lump sum contributions (if applicable)

We cannot confirm terms or arrange a PRSA without this information.

Contact:
Ken O’Gorman – Director & Retirement Planning Specialist
One Quote Financial Brokers
📞 01 845 0049
Enquire online to start your self-selected PRSA in Ireland