Understand your pension. Take control of your future.
Most people have no idea what fund their pension is invested in — or what that choice is costing them. In two minutes, we'll show you why fund choice matters more than almost anything else, and help you find the profile that matches you.
- 6%
- vs 4% over 25 yrs
- 2x+
- potential outcome
- 1%
- assumed AMC
Retirement Outcome Calculator
What could your pension actually pay you?
See your projected pot at maturity, your 25% tax-free lump sum, and the monthly retirement income three different fund types could deliver. Assumes a 1% annual management charge.
Investment horizon: 25 years
Monthly income shown for two common options: an ARF drawdown at 4% p.a. and an indicative annuity at ~5% p.a., both calculated on the 75% balance after your tax-free lump sum.
Low-risk / defensive fund
Pot at age 65
€326,436
Multi-asset / balanced fund
Pot at age 65
€462,185
Equity / growth-focused fund
Pot at age 65
€662,893
The Cost of Fund Choice
€336,457 difference in your pot at age 65
Same contributions, different fund — that's the gap between a 4% and a 8% return over 25 years. In monthly retirement income, the difference is €841 more per month for the rest of your life.
Step 1 of 2 — take the 2-min risk profile quiz
Your report combines your investor profile with these projections, so we need your quiz answers first.
Why fund choice matters
The single biggest decision most people never make
Your contribution level matters. Your start age matters. But over a 20–30 year horizon, the fund you choose can outweigh both — quietly, year after year.
Default ≠ optimal
Most pensions sit in a default fund picked by your employer or provider — not by you, and not for you.
Compounding amplifies everything
Small differences in annual returns become huge differences in retirement value.
Charges quietly compound too
We assume a 1% annual management charge — anything higher eats further into your outcome.
Step 2 — Your profile
Discover your investor profile in 2 minutes
6 quick questions on your time horizon, attitude to volatility, capacity for loss and experience. We'll match you to one of three risk profiles and explain what it means for your fund choice.
Start the risk quiz →- 6 short multiple-choice questions
- 3 possible outcomes — Cautious, Balanced, Adventurous
- Instant synopsis of your attitude to risk
- Educational only — no signup required
From the blog
Latest insights for Irish investors
Auto Enrolment Pension in Ireland: A Guide
Ireland's auto-enrolment pension system will affect hundreds of thousands of workers. Here's how it compares to PRSA and occupational schemes.
Read article →Maximise Your Pension in Ireland: 3 Moves
Most Irish pensions underperform for the same three reasons. Here's how to fix them — in order of impact.
Read article →Irish Retail Investors: What Research Shows
Irish savers say they want to invest. The data shows most hold cash or default funds. Why the gap matters for your pension.
Read article →Pension Contribution Limits in Ireland
Ireland's age-based pension limits are one of the most generous tax breaks available. Most people use a fraction of them.
Read article →Investing in Ireland: The Basics
What is an investment, really? A jargon-free starter guide for Irish savers thinking beyond the deposit account.
Read article →Active vs Passive Investing in Ireland
Two philosophies, very different fees. Here's what the evidence says — and what it means for an Irish pension saver.
Read article →Ready to find your investor profile?
Two minutes, six questions. Get your profile and the type of fund that matches it.