Defined benefit pensions may be in decline but they have not gone away
Defined benefit pensions offer security, but members must stay engaged to manage risks, funding concerns and lifestyle needs throughout retirement
Pensions Focus Special Report
Pensions Focus looks at all aspects of the rapidly evolving Irish pensions market from green pension funds to auto-enrolment delays and the introduction of master trusts, and highlights the critical importance of starting early on the retirement savings journey. It also looks at the options open to people as they approach retirement and need to make decisions on how much risk they are prepared to take with their hard-earned pension savings.
Retirement is just the start of the next investment chapter
Your pension strategy needs more than just time; key decisions along the way can shape your financial future
Pension planning: Take risk, reward and the inflation trap into account
Volatility and risk are often confused – but knowing the difference is crucial when investing your pension pot for long-term retirement income
Auto-enrolment expands pension coverage – but leaves 350,000 self-employed behind
The self-employed – excluded from the My Future Fund scheme’s generous State contributions – face the same old challenge: funding retirement alone
Simplicity at the heart of new auto-enrolment pension scheme
National Auto Enrolment Retirement Savings Authority will do the ‘heavy lifting’
Mobilising Irish pensions to support enterprise and innovation
Irish pension funds hold €141bn, mostly overseas. Experts say even modest domestic investment could boost jobs, innovation, and economic resilience
Pension decisions: Aligning risk appetite with your long-term financial goals is key
From high-growth equity funds to low-risk cash options, pension savers have a wide array of investment choices
Additional voluntary contributions: A little more today can mean a lot more tomorrow
AVCs can supercharge your pension – tax relief and flexible options make it easier than you think to boost your retirement income
Has sustainable pension investing had its day?
With ESG under fire, political pushback in the US is reshaping the global sustainable investment landscape
Governance rules push smaller pension schemes to consolidate
EU’s IORP II directive has led to major changes in Irish pension governance, prompting a shift to master trusts and raising compliance standards
Poor financial literacy and missed opportunities can leave pension pots lacking
Many underestimate what’s needed for a comfortable retirement, or even a decent standard of living
Transformative change is on the way but it comes with complications
The launch of My Future Fund marks the biggest shake-up in Irish pensions since ARFs, with up to 800,000 workers set to join the retirement savings system
In a world of greenwashing, how green is your pension?
Greening your pension is 21 times more effective than relinquishing flying, turning vegetarian and changing energy provider combined
Top up your pension while you still can, but be mindful of Revenue rules
Additional voluntary contributions can supercharge a pension when a person is nearing retirement, and they can also be a tax-efficient use of funds
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