Pensions
Whether you're starting a pension, reviewing what you have or getting ready to retire, we'll help you plan for the retirement you want.
Or call 1800 140 257
Why plan your pension?
A pension is a tax-efficient way to save for retirement. You get income tax relief on what you pay in, within Revenue limits based on your age and earnings, and your fund can grow free of tax until you retire.
The State Pension on its own may not be enough for the lifestyle you want. The earlier you start, the more choices you'll have later.
Hear it from Breon
Who it suits
- Employees, with or without a company pension
- Self-employed people
- Company directors
- People with pensions from old jobs
- Anyone getting close to retirement
Pension options
PRSAs and personal pensions
Pensions you own yourself. They suit self-employed people and employees without a company pension, and they stay with you if you change jobs.
Company pensions and AVCs
If your employer offers a pension, it's worth making the most of it. Additional voluntary contributions (AVCs) let you pay in more.
Executive pensions
For company directors. Your company can pay into your pension, which can be a tax-efficient way to take value from your business.
Your options at retirement
You can usually take part of your fund as a tax-free lump sum, then choose an annuity, which pays a guaranteed income for life, or an Approved Retirement Fund (ARF), which keeps your money invested.
- Warning: The value of your investment may go down as well as up.
- Warning: If you invest in this product you may lose some or all of the money you invest.
- Warning: Past performance is not a reliable guide to future performance.
How Manning Financial helps
Breon Manning has been in financial services for 25 years. As a multi-agency intermediary, Manning Financial compares options across the Irish market and explains them simply, so you can decide with confidence.
- We get to know you and what you need.
- We compare options across the Irish market.
- We explain everything simply, without jargon.
- We review your plan as your life changes.
Common questions
What happens to my pension if I change jobs?
It stays yours. Depending on the scheme, you can usually leave it where it is or transfer it, for example to your new employer's scheme or a PRSA. We'll help you weigh up the options.
Do I get tax relief on my contributions?
Yes. Your contributions get income tax relief at your highest rate of tax, within Revenue limits based on your age and earnings.
I have pensions from old jobs. What should I do with them?
We can review them and explain your options, including whether bringing them together makes sense for you.
How much should I be paying in?
It depends on when you want to retire and the income you'll need. We'll work out a plan that fits your budget.
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