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Cash the business will not need for years can be invested in the company's name, with tax handled inside the structure and the money still owned by the company. We compare it with deposits and your pension, in euro, before you decide.
Roughly how much cash the company holds, how much it needs to keep and when it might need the rest. A senior advisor is in touch with options.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
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A company investment puts surplus cash into funds through a life assurance investment bond owned by the company. The money stays on the company's balance sheet and can be drawn back when the business needs it. Nothing leaves the company, so no personal tax arises.
We start with the reserve. Before anything is invested, the plan sets the cash the business should keep for wages, tax, suppliers and a bad quarter. Only money above that, which the company will not need for some years, is considered for investment.
Inside an Irish life assurance investment bond there is no tax year to year on income or gains. The life company deducts exit tax when a chargeable event happens: a withdrawal, the end of the policy, or every eighth anniversary. For a company policyholder the rate is 25%. Exit tax paid at an eighth anniversary is credited against the tax due when the money finally comes out.
Compare that with deposits. Interest earned by a company is non-trading income, taxed at 25% every year. If it is not distributed by a close company, a 20% surcharge on the after-tax investment income can apply on top.
| Company deposit | Company investment bond | |
|---|---|---|
| Return | Interest set by the bank | Linked to the funds chosen, can rise or fall |
| Tax | 25% corporation tax on interest each year | 25% exit tax on gains when a chargeable event happens |
| Protection | Eligible deposits covered up to €100,000 per depositor per institution under the Deposit Guarantee Scheme | Not covered by the Deposit Guarantee Scheme; the value depends on the funds |
| Access | On demand or at the end of a fixed term | Withdrawals usually possible; the value can be lower than what went in |
| Suits | Money the business may need within a year or two | Money the business will not need for five years or more |
For an owner-director, the pension is often a better home for surplus cash than a company investment. A company contribution to your pension is deductible, is not a benefit in kind, and the fund grows without tax. The trade-off is access: pension money cannot be reached until retirement, while a company investment stays with the business.
Most plans use both: the pension for money you will not need before retirement, the company investment for cash the business may want back.
Cash held, what the business needs and when, and what you want for yourself.
The cash the company keeps, built from its costs, tax dates and plans.
Deposit, pension contribution and company investment, in euro.
How much the value can move, matched to when the money might be needed.
In the company's name, with the board's approval and the paperwork handled.
Performance, the reserve and the split, checked against the company's plans.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Yes. A company can own a life assurance investment bond in its own name, invested in funds from an Irish life company. It stays a company asset.
There is no annual tax inside the bond. The life company deducts exit tax at 25% on gains when a chargeable event happens, including every eighth anniversary.
Withdrawals are usually possible, in part or in full, subject to the policy terms. Early exit charges can apply on some funds, and the value may be lower than what went in.
For money needed soon, a deposit is usually the right home. For money the business will not need for five years or more, an investment may grow faster, with the risk that its value can fall.
Deposit interest is investment income. If a close company does not distribute its after-tax investment income within 18 months of the year end, a 20% surcharge can apply. We take that into account when comparing routes.
Often, for money you will not need before retirement. A pension contribution is deductible and is not a benefit in kind, but the money is locked until retirement. A plan uses each route for what it does best.
Company details, a board resolution, and identification for the directors and the people who own the company. We tell you exactly what the provider needs.
Sources checked 7 October 2026.
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