If you’ve had multiple jobs over the years, you may have built up pension benefits with previous employers. Keeping track of these pensions can be challenging but ensuring they’re working for you is essential.
At Irish Pensions and Finance, we specialise in helping you locate, assess, and make the most of these pensions, ensuring they align with your current financial goals. Whether you’re looking to consolidate your pensions, understand your options, or maximise your retirement income, our expert advisors can guide you every step of the way.
Older pension plans may have higher fees than newer, more competitive options.
The fund this pension is invested in might not align with your current financial goals.
Having multiple pensions can be difficult to manage. Combining them into one well-managed plan can potentially simplify the process.
Some pension plans allow for access to some of the fund value from age 50, where necessary.
As experts in public sector benefits, we can assess your current circumstances and provide you with options that suit you.
We work with multiple pension providers, meaning our advisors can compare plans from different providers to find the best options and features for you.
Your IPF advisor can guide you through any paperwork involved and communicate with pension providers on your behalf.
As an IPF client, you can avail of annual consultations to ensure your plan remains suitable as your circumstances change.
“Rebecca was really helpful and patient in explaining the options. I needed to transfer an existing plan, and she made it all exceedingly simple.”
Vanessa,
30+Years providing pension advice
28kcurrent policyholders
90+staff members
€1bOne billion in funds under management
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Transferring your pension can help you consolidate multiple pension pots, provide more control over your retirement savings, and potentially give you access to better investment options and lower fees.
If you choose not to transfer your pension, you can leave it with your previous employer’s scheme. You will need to make a claim directly with them when you reach normal retirement age as per the scheme rules.
A PRB is a pension policy set up in your name that allows you to retain control of your pension benefits from a previous employment. It offers flexibility in investment choices and access to benefits from age 50*.
There may be administration fees and/or charges depending on the provider you are transferring from and to. It’s important to review these before making a decision.
This depends on your current pension scheme. Some defined benefit (DB) schemes may provide guarantees that could be lost upon transfer. Our advisors can assess your specific situation before making a recommendation.
Yes, in some cases, you can transfer pensions from abroad, such as from the UK via a Qualifying Recognised Overseas Pension Scheme (QROPS). However, tax implications and transfer restrictions may apply.
The transfer process typically takes a few weeks to a few months, depending on the pension providers involved.
Each time you leave a job; you’ll have the option to transfer your pension or leave it in the existing scheme. Consolidating your pensions can make it easier to manage your retirement savings.
To begin, contact one of our financial advisors at Irish Pensions and Finance by submitting your details through the form above. We’ll review your pension details and guide you through your best options.
*Subject to Revenue rules and Regulations
