Irish retirees face a different set of rules on pensions, tax, healthcare and residency when it comes to overseas retirement. This guide focuses on the Irish position so you can shortlist destinations with open eyes and realistic numbers.
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Two candidates with the same salary can finish their careers with very different retirement incomes if one receives a richer pension contribution. Here is a clear, Ireland‑focused guide to who tends to pay what.
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The maximum State Pension (Contributory) in 2025 is €289.30 per week. That is about €15,044 a year before tax. For most households this is a useful foundation, not a full retirement. OECD data puts Ireland’s future net replacement rate for an average earner at roughly four in ten of pre‑retirement take‑home pay, so private saving has to do a lot of the work.
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Retirement costs never sit still, but one simple guideline has survived multiple market cycles. The 4% rule. Used well, it can help Irish retirees spend with confidence without exhausting their savings too soon. Used blindly, it can misfire. Here is how to apply it in Ireland in 2025.
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If you already have a pension scheme, the question becomes how much extra to contribute and whether a buy to let should sit alongside it. The answer is rarely all or nothing. It is about the numbers, the risk and the time you want to spend managing assets.
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New research from the Value of Advice 2025 report reveals that people who work with a Financial Broker aren’t just feeling better about their finances—they’re also doing measurably better across Savings, Pensions, and Protection.
Continue readingIt’s no surprise. Most of the focus in financial planning is on saving: how much to put away, what to invest in, when to start. But very little time is spent helping people with the next step actually spending their pension in a way that supports the kind of retirement they’ve envisioned.
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While it’s impossible to predict the next twist in global trade or market sentiment, what remains clear is this: reacting to volatility with panic can do more harm than good. The wisest course of action? Stick to your plan, diversify your investments, and focus on your retirement horizon.
Continue readingHere, we’ll dissect the elements that contributed to the success of Mr. Flannery’s ARF, providing valuable lessons for individuals aiming to optimise their retirement funds.
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One of the core elements of Mr. Trump’s proposed economic policy is a reduction in US corporate tax rates, potentially down to 15%. This change would bring US corporate tax rates into direct competition with Ireland’s, which currently sits at 12.5%.
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