Your pension is one of the most important ways of planning for your financial future. With you get to make the most of the opportunities to grow your money and take advantage of generous tax reliefs.

Contact Paddy Mahony or Andrew Nevin today on 01 498 0005 to take control of your pension.

Why choose SmartQuotes for pensions:

  • Up to 100% investment of funds (no entry fees)
  • Low management charges
  • Range of options across all providers
    (Zurich, Irish Life, New Ireland, Friends First, Aviva, Standard Life)


Start Early and Save Monthly

The earlier you start the pension the easier it will be to build up a fund to match your income needs in retirement. In general the most effective way to save money over a medium term is via regular monthly contributions into an investment fund. For example for someone who invested €1,000 per month for 5 years (60 months) from Oct 2007 to Oct 2012 would have seen a return of €72,300 (amount invested €60,000 in total). This is based on the monthly amount being invested into the Consensus Fund (multi asset fund). The equivalent return of a bank deposit assuming a rate of 2% over a 5 year period would be €63,047. The S&P 500 (US Equity Index) during that period went from 1549 to 1445 (a drop of nearly 7%). This demonstrates the benefits of monthly averaging over a medium period of time.

Warren Buffet “If you invest in a very low cost index fund — where you don’t put the money in at one time, but average in over 10 years — you’ll do better than 90% of people who start investing at the same time”

Explain the tax relief?

Pensions have one very important advantage – they’re incentivised by the taxman. In fact, the taxman is very generous when it comes to pensions, adding to your pension every time you pay money in.

Personal Pensions (Including PRSAs)
A flexible, simple pension plan with a range of investment funds that you can choose from. This pension plan allows you to continue investing even if you are not working or if you decide to move jobs.

Company Pensions (including One Man Executive Arrangements)
A pension plan for all employees where the employer contributes to your pension on your behalf. You may also make some payments into the pension plan. offer company pension schemes including one man executive arrangements. Company pension schemes are one of the most efficient ways to plan for retirement.

Your Options at retirement
If you have a pension and are coming up to retirement, find out what options are available to you.