Pick the one closest to you and we show the services that fit.
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.
Some pensions can be drawn from 50. Whether yours can depends on the type of pension and whether you have left the job it came from. A senior advisor checks every pension you hold and shows you the options in figures.
Four quick questions: your age, your pension type, whether you have left the employment and roughly what it is worth.
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.
The earliest age depends on where the money came from. Pensions from a job you have left are the ones most often available from 50: a company pension, an executive pension, a personal retirement bond, or a PRSA holding money from an employer.
A personal pension you funded yourself usually waits until 60, unless you retire on ill health or work in an occupation with an earlier retirement age. Ill health retirement is possible at any age on most pensions.
Scheme rules can be stricter than Revenue's limits. We check yours.
| Pension type | Normal access | Early access |
|---|---|---|
| Company pension, defined contribution or defined benefit | The scheme's normal retirement age, between 60 and 70 | From 50 if you have left that employment, any age on ill health |
| Executive pension | Between 60 and 70 | From 50 if you have left the company, any age on ill health |
| Personal retirement bond | As the scheme it came from, between 60 and 70 | From 50, any age on ill health |
| PRSA | 60 to 75 | From 50 where it holds employer or transferred money and you have retired from that employment, any age on ill health |
| Personal pension | 60 to 75 | Ill health, or certain occupations with an earlier retirement age |
| AVCs | With the main scheme | Follows the main scheme |
When you retire you usually take a retirement lump sum first. The first €200,000 across all your pensions is tax-free, the next €300,000 is taxed at 20%, and anything above €500,000 is taxed as income.
The rest can buy an annuity, an income for life, or go into an approved retirement fund, where it stays invested and you draw an income. From the year you turn 61, you are taxed on at least 4% of an ARF's value each year whether you draw it or not, rising to 5% from 71.
Drawing a pension at 50 gives the fund fewer years to grow and more years to last. A fund that would pay a comfortable income from 65 may run short if it starts 15 years sooner.
We model it before you decide: how long the money lasts at the income you want, the tax you pay, and what the State Pension adds from 66. Sometimes the answer is to take the lump sum now and leave the rest invested.
The form on this page takes two minutes.
Statements gathered from each scheme and provider with your permission, including old ones you may have lost track of.
Which pensions you can draw, from when, and on what terms.
Lump sum, tax and income for each option, modelled against your plans.
We handle the paperwork with the trustees and providers.
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.
Not from the job you are still in. Early access from 50 on a company pension needs you to have left the employment the pension relates to. A pension from a previous job may be available even while you work elsewhere.
Where a director with a 20% interest or more takes early retirement benefits, Revenue generally requires them to cut all links with the business, including disposing of all their shares.
An ARF is a fund in your name that stays invested after retirement. You draw an income from it, and its value can rise or fall. It passes to your estate when you die.
The first €200,000 of retirement lump sums, across all pensions since 7 December 2005, is tax-free. The amount from €200,000 to €500,000 is taxed at 20%. Anything above €500,000 is taxed as income.
Before retirement, a personal pension or PRSA forms part of your estate. After retirement, an ARF passing to a spouse or civil partner carries no income tax or CAT on the transfer. An annuity normally stops on death unless a guaranteed period or a spouse's pension was chosen.
Yes. On most pensions, benefits can be paid at any age if ill health means you have to retire. The scheme and the provider set the evidence they need.
Sometimes. If the income lasts and the tax is fair, it can fund a change of career or clear debt. If it leaves you short at 70, it is the wrong move. We show you both before you decide.
Checked 7 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.
Four quick questions, then a senior advisor is in touch with your options in figures.