Using Your Pension to Invest in Property

I want to use my pension to invest in property


Using Your Pension To Invest In Property

There are considerable advantages to using your pension to invest in property versus investing in property directly yourself.

If you purchase yourself you pay income tax on the rental income and capital gains tax on the gain in value between the date of purchase and sale. If you purchase through a pension vehicle the property is owned by your pension fund. There is no income tax on rental income and no capital gains tax on disposal (for you or your pension fund).

If you purchase a property outside of your pension fund you have to come up with your cash input from after tax income. By doing so within a pension you are using funds which you haven’t had to pay tax on.

Being able to reinvest the income from your pension without leakage in the form of income tax, PRSI and USC, means that you can grow your assets quicker. This is referred to as gross roll up and it enhances your investment return. An added benefit is that you don’t have to make income tax returns as the income accrues to the pension fund rather than to you personally.

There have been some changes to the rules recently, however it is still possible to use your pension to invest in property.


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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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