Pensions & Retirement Planning
Personalized, effective pension planning.
Why do I need a Pension?
People are living longer after retirement, creating a growing need for financial provision. The Irish State pension is currently about €13,000 per year - a large reduction in income for most employees.
Planning for an additional source of income is essential to supplement the state pension. A Pension offers a tax-efficient investment, with extensive options and opportunities.
Which Pension is Right for You?
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A Personal Retirement Savings Account (PRSA) is a private pension policy
Invest in a wide range of funds from Irish providers
Available to those in non-pensionable employment and self-employed
Low-cost and flexible retirement savings option
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A PRB can receive the transfer of your old employment pension
A PRB cuts ties with your previous employer
You can invest a PRB with any provider in a wide range of funds
This can be a great opportunity to grow your pension
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Facilitated through your employment
Can receive both Employer (ER) and Employee (EE) investments
All employees use the same provider with access to some funds
AVC’s can be used on top of normal contributions
Have an old employer pension?
Personal Retirement Bond.
Low Costs.
Expert Management.
Enhanced Allocations.
We make the most of the value left in your old employer’s pension scheme with a Retirement Bond.
Our Retirement Bonds always have low charges and invest in superior investment funds. We can give you up to 101% depending on the your fund size.
We Regularly review retirement bonds to ensure they are performing as expected. Can your old employer say the same?
Personalised Pension Advice 👥
We take the time to understand your financial situation, your goals, and your retirement needs. Based on this, we recommend the right pension product, provider, and fund strategy to suit you.
Tax Relief on Pensions 💶
You can claim relief at your highest income tax rate—up to 40% tax relief. This makes contributing to your pension one of the most effective ways to reduce your tax bill.
Flexible Pension Contributions 🔄
Your income and circumstances may change over time, so your pension contributions should adapt with you. You can increase or decrease the amount you contribute as needed, or make lump sum investments at any stage.
Tax-Free Growth 📈
Your pension savings grow completely tax-free. No CGT, Income tax, PRSI, or USC—allowing your pension pot to build faster over the long term.
Risk-Appropriate Investing 🎯
We ensure your pension investments are aligned with your risk-to-reward appetite, so you avoid unwelcome surprises and maximise potential returns.
Low-Cost Solutions 💡
Costs matter. That’s why we focus on low-cost pension products—helping to keep fees down and returns higher, so more of your money works for you in the long run.
FAQs
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The best time? Yesterday.
The next best time? Today.
Start as early as possible to benefit from compound growth and tax relief. But it’s never too late — even starting in your 40s or 50s can significantly improve your retirement outcome.
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Your maximum tax-efficient contribution depends on your age and income. For example, ages 40–49 can contribute up to 25% of earnings and still qualify for tax relief. We can help calculate an optimal contribution for your budget.
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We can help you track old or dormant pension(s), assess their value, and review all your Leaving Service Options (LSOs).
There isn’t a one size fits all answer to this question, but generally no. We like to keep pensions separate.
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The state pension is what you are paying toward weekly through PRSI contributions.
You will receive the state pension when you turn 66, if you meet certain requirements.
