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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.
An inheritance, a bonus, a property sale or savings sitting on deposit. A senior advisor matches the money to your timeline and risk rating, compares the main Irish providers and shows every charge and tax in euro.
Rough figures are fine. Tell us the amount and when you might need it, and a senior advisor is in touch with options matched to your timeline.
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.
Start with when you might need the money back, before any talk of funds. Money you need within five years belongs on deposit, where its value does not fall. Money you can leave for five years or more can be invested, because time gives a fund room to recover from bad years.
So we split the lump sum first: a cash reserve, money for plans in the next few years, and the rest invested. We can also phase the invested part in over several months.
Irish providers rate their funds on a scale of 1 to 7. A 1 is very low risk with the prospect of low returns. A 7 is very high risk, where the value can swing widely, particularly in the short term.
You complete a risk questionnaire with your advisor first. We match funds to your answers and your timeline, and show what a bad year could look like in euro.
On €100,000 invested through an Irish life company. Charges differ by provider and fund, and your advisor shows the exact figures before you invest.
| Item | How it works | On €100,000 |
|---|---|---|
| Government levy | 1% of each payment into a life assurance policy | €1,000 |
| Yearly fund charge | A percentage of the fund value, taken each year | €100 a year for every 0.1% |
| Exit tax | On the gain only: 38% now, cut to 35% in Budget 2027 | €3,500 on a €10,000 gain at 35% |
| Deemed disposal | Exit tax on the gain every 8 years, even if you do not cash in | Credited against the tax when you cash in |
Máire is 55 and has €150,000 on deposit earning little. She wants to stop working at 63 and may help her son with a house deposit within two years.
What her plan showed:
The growth figure is an illustration, not a forecast. Every plan uses the client's own numbers.
We compare funds, charges and past performance across the main Irish life companies, including Irish Life, Zurich, Aviva, New Ireland and Standard Life. You get the reasons for our recommendation in writing, with every charge shown in euro.
Each year we review the funds, the charges and your timeline with you.
The amount, when you might need it and what it is for. Two minutes on the form.
A risk questionnaire with your advisor, checked against your dates.
Funds, charges and terms across the main Irish life companies.
In writing, with every charge and tax in euro.
The application and paperwork handled, in one go or phased in.
Funds, charges and timeline, and sooner if your plans change.
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.
At least five years. A fund can fall in any one year, and time gives it room to recover. Money you may need sooner is usually better on deposit.
Most investment bonds let you take out part or all of the value. Some charge an early exit fee in the first years, so we show this before you invest. Exit tax applies to any gain you take out.
The provider deducts exit tax from the gain: 38% today, cut to 35% by Budget 2027 from a date set in Finance (No. 2) Bill 2026. Deemed disposal taxes the gain every eight years, credited when you cash in. You have no return to file.
No return is guaranteed. We show you a range of outcomes for your fund and timeline, the poor ones included.
It is expected from 1 July 2027, with a limit of €12,000 a year. We show you how the two fit together. Read more about the Personal Investment Account.
No. Your money is invested with a regulated Irish life company in your name. True Wealth advises, compares and arranges the 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 options matched to your timeline.