Before you panic about where all your savings have gone, they haven’t. What has changed is not how much you’ve saved but the projection about how that will grow over time. File photograph: iStock

It’s the one section of an annual pension statement that people invested in defined-contribution pensions or PRSAs (personal retirement savings accoun(...)

“People in their 30s are taking a lot longer to enter pension schemes. This is because they are having to save for deposits on houses at the same time as paying high rents in many cases.” Photograph: iStock

Our savings and investment needs and options change as we go through our lives. People in their 20s with few responsibilities may have lots of disposa(...)

How to handle an old pension will depend on whether it’s a defined benefit or defined contribution scheme

You’ve moved jobs, lost your job, or started out on your own. But while your pension might be one of the last things on your mind when making this dec(...)

It’s a lot cheaper to live in Portugal, with value to be had even in the Algarve, particularly when compared with prices in Dublin

It sounds great; a cheaper cost of living, a sunny climate, great golf courses for those so inclined, not to mind a potentially tax-free retirement. (...)

Whether you opt for an approved retirement fund (ARF) or an annuity might also be a factor of how much of a tax-free lump sum you can get

If you’re 50 years or over, and haven’t yet started to think about what you’re going to do with your retirement fund when you become a pensioner, it’s(...)

Thousands of Irish people will have up to €2bn in pension funds unlocked next month when the Budget 2019 increase in the State pension takes effect.

Thousands of people will have up to €2 billion in pension funds unlocked next month when the Budget 2019 increase in the State pension takes effect. (...)

“Lifestyle strategies are a mechanism to reduce investment risk appropriately and automatically for members as they near retirement.” Photograph: iStock

A lifestyle strategy gradually reduces the risk profile of your retirement savings the closer you get to retirement. Pension funds often have lifestyl(...)

Direct property investments can seem like a good idea to provide high return, however, they are costly (acquisition costs, property management fees, ongoing repairs, service charges) and a risky investment. Photograph: iStock

Property “We’re seeing a huge appetite for property in pensions, due to the recently buoyant market. It’s very risky – we shouldn’t forget the mistak(...)

Tommy Nielsen, chairman of the Association of Pension Trustees in Ireland: Complexity, he argues, is a defence for paralysis at the Department of Social Protection

Consultation on the proposed introduction of mandatory pension savings in Ireland misses the point: what is needed is simplification of Irish pension (...)

Enforced encashment of the Canadian retirement fund makes the position clearer in Irish tax terms.

Are Canadian Registered Retirement Savings Plans (RRSPs) reportable? The advice I have received is that they are only taxable when income is drawn dow(...)

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