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What Happens to Your Old Employer Pension
If you’ve changed jobs in Ireland, you might be wondering what happens to the pension you built up with your previous employer. It’s a common question, and one that’s important for your future financial security. It’s important to understand your options, especially when it comes to something called a Personal Retirement Bond (or PRB), which could be…
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Is Your Business Ready for Auto Enrolment? A Practical Guide for Employers
As Ireland prepares to roll out the new auto-enrolment pension scheme, many businesses are asking: Is my company ready? Auto-enrolment will require employers to automatically enrol eligible employees into a workplace pension plan, helping millions of workers save for retirement. For business owners, this means new responsibilities—but also an opportunity to support your team’s financial future. What is…
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Auto Enrolment vs Direct Contribution vs PRSA which one to choose
Choosing the right pension plan is crucial for securing your financial future. In Ireland, three main options stand out: Auto-Enrolment, Direct Contribution (DC) Schemes, and Personal Retirement Savings Accounts (PRSA). Here’s a comprehensive comparison to help you make an informed decision. What is Auto Enrolment? Auto Enrolment is a government-led pension initiative launching in 2026, designed to increase…
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Investing in Volatile Times: How to navigate through stormy waters
Investing in Volatile Times: How to Stay Calm and Make Smart Moves Periods of market volatility can test the nerves of even the most experienced investors. Sharp swings in asset prices—driven by economic uncertainty, geopolitical events, or changes in policy—often prompt fears of loss and the temptation to make impulsive decisions. However, volatility is a…
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The Benefits of Pension Consolidation
How to maximise your paid-up pensions and boost your retirement income This case study illustrates how strategic pension consolidation helped John, a 45-year-old Irish professional with a €90,000 annual income and four dormant pension funds totalling €120,000, consolidate his retirement savings and optimise his future financial security. John holds 3 paid-up personal pension plans worth…
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Why Diversification of investment assets makes sense
The golden rule of investment is diversification – never invest too much in a single company, industry, country, currency or type of asset. Concentrated investment positions can produce spectacular returns if they go well or disastrous ones if they go badly. If you diversify, the peaks and troughs are smoothed out, hopefully without reducing your…
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Five reasons you should review your protection policies regularly
Regularly reviewing and updating your protection plan is important to ensure that it remains aligned with changing financial circumstances, goals, and market conditions. In this article, we will look at five reasons why you should review your protection policies to ensure they are meeting your cover needs. Good financial planning is an essential aspect of…
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Starting a pension early can make all the difference in how you start on your path toward a comfortable retirement.
When you think about your future, do you see yourself lounging around, sipping a refreshing drink, and not worrying about money? You can have that future if you start planning your pension today. With the right plan in place, you can enjoy the retirement you’ve always wanted. But if you’re in your 20s or 30s…
