Personal Pension

A Personal Pension is a privately owned pension, held in your name. Unlike a company pension plan, where your employer may make contributions to your pension, only you can make contributions to a personal pension.

Product features

  • Choice – there is a wide range of investment options, designed to meet your needs.
  • Flexibility – You can increase your contributions, or make a one-off contribution, at any stage.


Who is this product for?

A Personal Pension is suitable for anyone saving for their retirement. It is mainly suited to those who are self-employed, or whose employer does not offer a pension scheme.

Personal Pension Plan “PPP”


With a Personal Pension Plan, you control how much you contribute towards your pension.


How much should I contribute? It is one of the most common questions people ask. While there is no minimum amount, the maximum amount you can contribute depends on your age.

When you retire

On retirement you can take a tax-free lump sum of 25% of your fund, up to a maximum of €200,000. The remainder of your fund can then be invested in an Annuity or Approved (Minimum) Retirement Fund A(M)RF/ Approved Retirement Fund.


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