It is important for you to take control of your retirement planning and make decisions regarding your pension. It is often not appreciated that contributing to a pension arrangement can help you build up an extremely valuable asset.

The State pension is intended to ensure that everyone receives a basic standard of living in retirement. For example the full State Pension (Contributory) currently (2016) is €230.30 per week or approximately €12,000 per annum.

When planning for retirement you will need to decide whether this is enough to live on in retirement, and if not, where your additional retirement income will come from.

Few people realise that providing the required level of income in retirement requires a substantial level of pension savings.


If you were to buy a pension from an insurance company at retirement of €10,000 per annum, you could need a pension fund of €200,000 or more. To avoid having to put aside large amounts, it is better to join a pension scheme and start saving as soon as you can.

A typical pension profile is illustrated below. This shows that pension savings are required while salary is being earned, to provide a private pension in retirement to supplement the amount available from the State.


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