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Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
Spread the risk, give it time, match it to your timeline, keep costs low and visible, rebalance, and stay the course. Regulated funds from Irish life companies, chosen and reviewed by a senior advisor.
Tell us what you want to invest and for how long. A senior advisor is in touch with how these principles apply to your money.
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.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
Most investment mistakes come from four places: too much in one holding, money needed too soon, charges nobody checked and selling in a panic after a fall.
Our principles exist to prevent those mistakes. We invest through regulated funds from Irish life companies, and we keep every choice plain enough to explain in a few sentences.
A fund holding hundreds of companies and bonds across many countries is far less exposed to one failure. We do not stake your money on one company, one sector or one country.
Markets fall as well as rise. Invested money needs years to recover from bad spells, so we invest only money you can leave for five years or more.
The closer you are to needing the money, the less risk it should carry. Your fund's rating on the 1 to 7 scale follows your answers and your dates.
Every charge comes off your return. We show the government levy and the yearly fund charge in euro before you invest, and compare them across providers.
Over time your funds drift from the mix you chose. At your review we bring them back, so your risk stays where you set it.
Selling after a fall turns a paper loss into a real one. We plan for the bad years in advance, so you know what to expect when they come.
Irish providers rate their funds on a seven-point scale. At 1, very low risk with the prospect of low returns. At 7, very high risk, where the value can swing widely, particularly in the short term.
Your advisor finds your place on the scale with a risk questionnaire, then checks it against your timeline. A long horizon can carry more risk. Money needed in a few years should carry less.
Your own plan sets the final mix. These are the starting points we use before we look at your answers.
| When you need the money | Where it usually goes |
|---|---|
| Within 5 years | On deposit, not invested |
| 5 to 10 years | Lower to medium risk funds |
| 10 years or more | Medium to higher risk funds |
| Drawing an income from it | A mix, with cash held for the next few years of income |
Two plans holding the same fund can end years apart because of charges. Regulated firms must tell you what you pay, and you can ask for an itemised breakdown at any time. We show it before you invest, in euro.
Behaviour matters as much as charges. We set your plan for the bad years in advance, review it every year and change it when your life changes, not when the headlines do.
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.
No. We invest through regulated funds from Irish life companies. A fund spreads your money across many holdings, which no single share can do.
Because a fund can fall in any one year. Five years or more gives it time to recover. Money you may need sooner is safer on deposit.
Bringing your funds back to the mix you chose. If shares rise faster than bonds, your plan carries more risk than you agreed. Rebalancing trims it back.
Yes. The main providers offer funds that screen companies on environmental, social and governance standards, and we can match them to your risk rating.
Your advisor shows you where your plan stands in euro and whether your timeline has changed. If it has, we change the plan. If it has not, the plan you agreed already allowed for a fall.
Two minutes on the form. Your advisor is in touch, completes a risk questionnaire with you and shows you funds matched to your plan.
Checked 8 October 2026.
Warning: The value of your investment may go down as well as up.
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: Past performance is not a reliable guide to future performance.
Two minutes on the form. A senior advisor is in touch with funds matched to your timeline.