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• Don't go with the first savings plan you see, look for one with terms and an interest rate that suits you
• Do save early. Putting your money away as soon as you get paid will ensure that your savings are never forgotten
• Do think of saving as prepaying for something, rather than putting away money you'll never use
• Do consider taking advantage of interest rate changes by paying extra into your mortgage, if possible. This will save you thousands in the long-term. Check out our mortgage overpayment calculator to see how much you could be saving
• Do start today. Stop putting it on the long finger, the sooner you start saving the better

• Life Insurance Cover* -This will ensure that your family are provided for in the event of your death
• Critical Illness Cover* - In the event of you suffering a specified critical illness, this cover will provide you with a lump sum payment
• Disability cover* - This type of cover will provide you with an income in the event that you are unable to work due to a serious illness or accident
• Mortgage Repayment Cover* - This will cover your mortgage repayments in the event of you being unable to work due to involuntary redundancy or illness
• Payment Protection Insurance* - This will cover any loans you may have, if you are unable to work due to involuntary redundancy or illness

• A company pension plan
• A personal pension plan
• A personal retirement savings account (PRSA)

When it comes to planning for the future you need to look at it as a long-term project, economies fluctuate and no on can predict the future, so it's important to have a safety net there. Your retirement may look like it's a long way off but it really is a pressing matter today and should not be put off. Here are a few tips to help you see how easy starting a pension could be:

• Start contribution to your pension as early as you can. The sooner you start, , the less you will have to pay each month to reach your desired retirement amount
• Find a pension plan that suits you. Get financial advice before starting a personal pension plan or PRSA to make sure you are taking out a product suitable for you
• Talk to your employer. Make sure you join your employer pension plan if you are eligible to do so
• Consider an employer's pension benefits when changing jobs
• Make additional voluntary contributions (AVCs) to help boost your pension and increase its value in the long term
• Review your pension regularly to make sure you are contributing enough money
• Talk to your financial adviser and make sure your pension is performing as well as it could be

Check out our pensions calculator online which will tell you how much you should be putting into your pension to reach your desired pension on retirement

Personal Customers

To talk to a dedicated financial adviser call us on: 1890 365 121

Telephone (from abroad):
+353 1 404 4022

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