pension
(noun) /pen(t)-shən/
A pension is a long-term savings plan. A pension plan allows you to make regular payments and/or transfer one-off lump sums into a fund for retirement. The amounts saved into your pension are called ‘contributions’. Contributions are eligible for tax relief.
You could save more than you think.
A pension plan is the only investment vehicle in Ireland that can grow tax free for the entire term, and the impact is substantial.
Now that we are living longer than ever, you can confidently expect to enjoy a retirement of 20 years or more. That’s a long time to spend without an adequate income to support your lifestyle.
A pension will provide you with a nest egg in the future, allowing you to enjoy life.
Whatever your situation there is a pension product to suit you, it’s never too early or too late to start putting money away for your retirement years.
We can talk you through all the options, from personal pensions, PRSAs to Executive Pensions, Company Pensions and Self-Directed/ Administered Pensions.
Start.Stop. Restart.
Your pension contributions are flexible, you can take payment breaks if you need to. You can also reduce or increase your contributions as your circumstances change.
We will help create a financial plan to help you achieve your retirement goals
We can help you find the right amount to save and adjust, if circumstances change
We have access to a vast range of funds to invest your pension in
We will help you maximise tax relief on your pension contributions
Ireland's State Pension (Contributory) is currently about €248 per week, less than half the current average industrial weekly wage. While the State Pension (Contributory) can help you get by, it is not likely to be enough to allow you to continue your current quality of life.
Choosing how and when you would like to receive your retirement income is an important decision and it is key to have trusted advice on hand to guide you through the process.
Sustainability Factors
Sustainable Finance Disclosure Regulation (‘SFDR’) This EU Regulation is effective 10 March 2021. As the area of the SFDR is new and evolving without sufficient information being currently available, we do not currently assess in detail the adverse impact of investment decisions on suitability when providing investment or insurance advice. The key product providers with which we engage have developed responsible investment as part of their investment philosophies and sustainability policies. However, detailed information on specific fund recommendations we recommend is not always available. As further information on the approach being taken by product providers, and their internal/external fund managers, becomes available over the course of the next year, we anticipate reviewing these areas in our assessments.