Self-employed or on a non-contributory pension? Choose a personal pension plan with Zurich's unrivalled range of investments and contribution flexibility. A personal pension is mainly suited to those who are self-employed, or whose employer does not offer a pension scheme.

What is a personal pension?

A personal pension is a personally owned pension, held in your name. Unlike a company pension plan, where your employer may make contributions to your pension, only you can make contributions to a personal pension.

Product features

  • Choice - We offer a wide range of investment options, designed to meet your needs.
  • Flexibility - You can increase your contributions, or make a one-off contribution, at any stage.

Our pension calculator can help you decide how much you can afford to save.

Who is this product for?

A personal pension is suitable for anyone saving for their retirement. It is mainly suited to those who are self-employed, or whose employer does not offer a pension scheme.


With a personal pension plan, you control how much you contribute towards your pension.


How much should I contribute? It's one of the most common questions people ask. While there's no minimum amount, the maximum amount you can contribute depends on your age.

Age Maximum contribution by age
29 or younger 15% of net relevant earnings *
30 - 39 years 20%
40 - 49 years 25%
50 - 54 years 30%
55 - 59 years 35%
60 + 40%

* These are percentages of your earnings up to €115,000. If you're a professional athlete, your limit will be 30% of earnings, regardless of your age.

When you retire

On retirement you can take a tax-free lump sum of 25% of your fund, up to a maximum of €200,000.

The remainder of your fund can then be invested in an Annuity or Approved Retirement Fund.

The information contained herein is based on Zurich Life's understanding of current Revenue practice as at January 2024 and may change in the future.

Warning: Past performance is not a reliable guide to future performance.
Warning: The value of your investment may go down as well as up.
Warning: If you invest in these products you may lose some or all of the money you invest.
Warning: This product may be affected by changes in currency exchange rates.

Start your pension today

Call our Financial Planning Team

Arrange for us to contact you

Get local advice