Joining your company pension

A company pension adds real value to your total pay and benefits package.

Your pension savings can build over time. Most company pensions include employer contributions, which can substantially increase your retirement fund. 

As your career progresses, your workplace pension can be invested in assets which can provide investment growth over the long term. 

And your contributions can increase as your salary and circumstances change.

It’s easy to save for your future with your company pension plan. 

Payroll deductions make saving easy. You don't have to remember to set money aside each month.

Pension investment experts manage the fund for you, and your money is invested in the options we believe are most suitable for you.  

Our pension planning support and tools like the MyIrishLife portal help you stay up to date and in control.

Your pension savings attract valuable tax relief benefits so that you don’t pay income tax on contributions to your pension, within certain limits. 

Depending on your age, you can put between 15% and 40% of your salary into your pension tax-free, subject to a maximum salary of €115,000.

You won’t pay any tax on your pension’s growth, so every cent stays invested for your future.

And when you retire, you can take up to €200,000 tax-free lump sum.

Join your company’s pension plan, and you can meet experts to help you maximise your pension fund’s potential to improve your financial wellbeing. 

Our helpful Pension Education Team will provide useful, jargon-free financial education. You’ll learn valuable information at our webinars and events for company pension members. 

Gain access to easy-to-follow videos and helpful tools like the MyIrishLife portal.

Get clear, practical personal advice from your own financial advisor, or if you don’t have one, Irish Life’s friendly team of financial advisors are here to help.

You've got a plan for your life after work. It gives you the freedom to plan and dream of the retirement lifestyle you want. 

A company pension helps fund a more comfortable retirement and can provide you with long-term financial security. It’s in addition to the State pension.

Your pension is managed by experts and protected by Irish pension regulations. You can relax knowing your savings are carefully managed, well-governed and working hard for your future. 

You can make regular or one-off top-ups, called Additional Voluntary Contributions (AVCs). For example, if you get a bonus or salary increase, you can make a top-up. 

Your company pension is invested in funds we believe are most suitable for you based on the information you give us. Or if you wish, you can choose your own funds from a wide selection.