Personal Retirement Savings Accounts

I want to take out a PRSA


If you are interested in taking out a PRSA to save for your retirement a key issue for you will be making sure;

1) that the product you establish is the best available


2) that you have the optimum investment strategy for your needs

There are a wide range of charging structures available in the market. Many PRSA’s have high charges and the effect of this over time can be substantial.

A favourable charging structure could easily enhance the eventual value of your pension by €20,000 or more, even for a modest pension. For a large pension the difference could be as much as €100,000. The right decision now will result in a higher level of pension income when you retire.

Every adviser is required to ask you to complete a risk questionnaire however before doing that we recommend that we do a short zoom call with you where we will speak to you about the different asset classes and strategies for maximising your investment return. You will benefit from doing this – it will result in a more meaningful risk profile assessment and a better outcome for you.

If you set up a PRSA with high charges or your funds aren’t invested optimally, then for a given level of pension in retirement the result is that you have to contribute more. We can show you how to make your pension work for you.

Given the long term nature of retirement planning the difference between doing it right and doing it almost right can be significant.

Contact us today on 01 546 1100 or book a no-obligation coffee with us here.


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The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.


Best Pension Advice is a trading name of Highfield Financial Planning, the most client focused financial services company in Ireland. We provide superior advice on Retirement Planning for all types of pension available in the Irish market. As Specialist Investment Advisers we can also help you to manage the investment of your pension to achieve your income objectives in retirement.

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