PRSA Pensions

FLEXIBLE RETIREMENT SAVINGS FOR EVERYONE

A Personal Retirement Savings Account (PRSA) is a flexible, portable pension contract that moves with you between jobs. Recent rule changes have made PRSAs one of the most attractive pension structures in Ireland — especially for company directors.

Book a Consultation Call 01 679 0990

Scope

We can help you with

Standard & non-standard PRSAs Employer PRSA contributions PRSA for the self-employed Transfers into a PRSA Fund choice & risk profiling Retirement options at maturity

What we do

Explain how PRSAs work and whether one suits you.
Compare PRSA providers, charges and fund ranges.
Maximise the tax relief available on your contributions.
Handle the set-up and any transfers from other schemes.
Review your PRSA regularly as your circumstances change.

Let's Talk

Why book a prsa pensions?

PRSAs were designed to make pensions accessible to everyone: they're portable between employers, have capped charges in their standard form, and let you vary or pause contributions without penalty.

For business owners, employer contributions to a PRSA can be particularly tax-efficient. Whether you're employed, self-employed or running a company, we'll help you decide if a PRSA is the right vehicle.

Good to know

PRSA Pensions FAQs

Who can open a PRSA?+

Almost anyone — employed, self-employed or between jobs. There's no requirement to have earnings to open one, though tax relief depends on relevant earnings.

What are the charges?+

Standard PRSAs have capped charges — a maximum 5% on contributions and 1% annually on funds. Many providers charge less, and we'll compare them for you.

Can my employer contribute?+

Yes, and employer contributions are not treated as a benefit-in-kind within the applicable limits — a significant advantage for directors.

What happens at retirement?+

You can typically take up to 25% tax-free (within Revenue limits) and use the balance for an ARF, annuity or taxable cash, depending on your circumstances.

Warning: Past performance is not a reliable guide to future performance.

Warning: The value of your investment may go down as well as up.

Warning: If you invest in these products you may lose some or all of the money you invest.

Keep exploring