Guides

Plain-English explanations of how Irish pensions work. General information only — none of it is advice about what suits you.

• What is a PRSA? A plain-English explanation of Personal Retirement Savings Accounts: what they are, who they suit, how charges work, and where they fit among Irish pension options.
• Pension tax relief by age How income tax relief on Irish pension contributions works: the age-related percentage limits, the €115,000 earnings cap, and how relief is claimed.
• Standard vs non-standard PRSAs The differences between standard and non-standard PRSAs: charge caps, investment range, and what the product codes mean.
• Auto-enrolment (My Future Fund) and PRSAs How Ireland's auto-enrolment scheme works — contribution rates, the State top-up, opt-outs — and how its mechanics differ from a PRSA.
• How pension fees compound Why a one-percentage-point difference in annual charges grows into a five-figure difference over a working life, with worked examples.