Saving for your Retirement
About Our Plans
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About Our Plans
The iRS product range includes solutions for individuals through to groups of employees for both International and Isle of Man clients.
The plans are all Defined Contribution plans – this means that an individual’s retirement benefit is determined by the total of contributions that have been made and the investment growth upon these.
International plan options
We offer a fully bundled retirement plan service taking clients through from design and implementation to full operation, we don’t outsource any part of the running of your plan as we believe keeping it all in house is more efficient and provides a better service to our clients and members.
When it comes to leaving the employer plan iRS has developed an individual plan for early leavers as an alternative to taking the lump sum benefit, and subject to meeting relevant criteria, the member can transfer their retirement fund to their own personal plan without any additional costs.
As a result the individual can maintain the same control enjoyed previously over their account but separate from the employer sponsored plan.
Isle of Man pensions
For the local clients we offer a range of individual Self Invested Personal Pensions (SIPPs) alongside employer sponsored pensions.
Individuals have a choice of the type of SIPP they can establish, either a bespoke individually registered scheme for more complex investment strategies or for more straight-forward investments such as a Discretionary Fund Manager account, a choice of the Salvis SIPP (QROPS registered) or Libertas SIPP (incorporating the new s61 pension freedoms).
Employers can choose between our bespoke occupational schemes and our ground breaking Isle of Man Workplace Pension, whatever your choice you have access to a wide range of investment funds offered by the leading independent fund managers or a discretionary fund manager option with a manager of your choice.
We are completely neutral on the investments you choose and we have no financial interest in any fund, making our products unique in the level of transparency we provide.