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Money on deposit loses value when prices rise faster than the interest it earns. A monthly savings plan puts it into regulated funds matched to your goal and your attitude to risk. We compare every main Irish provider and show you every charge in euro before you start.
How much a month, what it is for and for how long. Two minutes, then a senior advisor is in touch with plans from every main Irish provider.
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 monthly savings plan is a unit-linked policy with an Irish life company. Each month your payment, less the 1% government levy, buys units in the funds you choose. Over five years or more, a mix of shares, bonds, property and cash has the potential to grow faster than a deposit account, with the risk that its value can fall.
You stay in control. Raise or lower your payment, add a lump sum, take a payment holiday or take money out when you need it. Irish Life's Clear Regular Invest, for example, starts at €100 a month and lets you stop and restart payments at any time.
We compare plans from Ireland's main life companies, such as Zurich, Irish Life, Aviva and New Ireland, and set them side by side for your goal. Fund choice runs from cash and bonds to multi-asset, equity, property and ESG funds.
Before you sign anything, your advisor shows you every charge in euro: the levy, the yearly fund charge and any charge for taking money out early. On Irish Life's Clear Regular Invest, for example, the fund charge is 1.65% to 1.80% a year, and money taken out in the first five years carries a charge of up to 5%.
An illustration only. It assumes growth of 4% a year after charges, which is not a forecast and is not guaranteed. Your plan could be worth more or less, including less than you paid in. If the exit tax cut to 35% announced in Budget 2027 applies when you cash in, the tax here would be about €2,200.
| Amount | |
|---|---|
| Paid in over 10 years | €30,000 |
| Government levy at 1% | €300 |
| Illustrative value at 4% a year | €36,300 |
| Gain on what you paid in | €6,300 |
| Exit tax at 38% | €2,400 |
| Value after exit tax | €33,900 |
There is no tax on growth while it stays in the plan. When you take money out, the life company works out the gain, the value less what you paid in, and deducts exit tax at 38%. That is the end of it: no tax return to file.
Every eight years the plan is treated as if you had cashed it in, and exit tax is taken on the gain so far. That tax is credited against the bill when you later take your money out, and any excess is refunded. Budget 2027 announced a cut in the rate to 35%, with the start date to be set in the Finance Bill.
| Deposit account | Monthly savings plan | |
|---|---|---|
| Where the money goes | A bank, credit union or An Post deposit | Regulated funds inside a life assurance policy |
| Growth | The interest rate on offer | Potential growth from shares, bonds, property and cash, and the value can fall |
| Tax | DIRT at 33% on the interest | Exit tax at 38% on the gain, when you take money out and every eight years |
| Protection | Up to €100,000 per person per institution under the Deposit Guarantee Scheme | Not a deposit, so not covered by the Deposit Guarantee Scheme |
| Suits | Money you may need within five years | Goals five years or more away |
How much a month, what it is for and when you need it. The form takes two minutes.
Your advisor works out how much rise and fall you are comfortable with.
Providers, funds and charges side by side, in euro.
The application and the paperwork handled with the provider.
Funds, payments and your goal checked, and changed when your life changes.
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.
Irish Life's Clear Regular Invest starts at €100 a month and Zurich's LifeSave Savings Plus at €75. You can add lump sums along the way.
Yes. You can take some or all of it out. Some plans charge for withdrawals in the first few years, and exit tax applies to any gain. Your advisor shows both in euro before you start.
No. The value of the funds can go down as well as up, and a savings plan is not a deposit. Lower risk funds rise and fall less, and cash funds are available inside most plans.
The life company deducts exit tax of 38% on the gain when you take money out, and every eight years on the gain so far. Budget 2027 announced a cut to 35%. A 1% government levy applies to each payment.
Five years or more. Plans like Irish Life's Clear Regular Invest are designed for that. For money you may need sooner, a deposit account is usually the better home.
Budget 2027 confirmed a new Investment Account from 1 July 2027, taxed at 1% a year on the value above €50,000, with up to €12,000 paid in each year. See our Personal Investment Account page. Your advisor compares it with a savings plan for you.
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 online. A senior advisor is in touch with plans from every main Irish provider.