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Why Pensions are so Important

What Exactly is a Pension?

It’s what you will live on when you stop working. Essentially, it will replace the wages that you earned before you retired.

What is a Pension Plan?

It is a long-term savings plan, where you build up money to provide yourself with a pension after retiring. Different from your regular savings, you can’t dip into it until you retire.

Why do you Need a Pension Plan?

When you stop working, your income will stop but, the bills won’t! So, you’ll need something to replace that lost regular income and unless you win the lottery or inherit a large sum of money, your pension will be your main source of income after you have retired.

What about your Employer?

Nowadays, employees mainly offer the facility to have a personal plan, with the contributions being deducted from pay. However, there is no obligation for the employer to contribute to the arrangement.

Won’t the State Provide you with a Pension?

Yes, it will but in most cases will not cover your income lost from retiring. The State pension is currently only €265.30 a week. Could you realistically expect to get by on that weekly income?

How a Pension Plan Works

Tune in to our videos over the next 7 weeks as we explore in greater detail how a pension works and how it will benefit you!! For more information on this, check out our first video @ https://youtu.be/OAv_NUgrPfI

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