Small actions can have a great impact
Saving a little today can help you live the life you will want to have when you retire. A pension helps you do just that. With a Zurich pension, you can:
Save from just €30 per month
Keep track of your pension 24/7
Get expert advice when you need it

Why do I need a pension?
Your retirement may seem like a lifetime away, but the truth is, the sooner you start planning for it, the brighter your future will be.
Own your future
Today the State Contributory Pension is worth about €260 a week (Citizens Information Board, February 2022). It’s helpful but it’s not going to give you a comfortable life on its own. Starting your own pension can give you greater ownership of your retirement and give you more options for your later years.
Save with tax relief
Tax relief is by far the greatest advantage of saving in a pension and Government tax relief is available on any money you save into your pension. If you’re paying tax on the higher rate, you’re entitled to get a 40% saving on any pension contribution you make.
Small amounts add up
The earlier you start your pension, the better. It’s always best to start your pension at a level you feel comfortable with, and then revisit this periodically to see if you have more disposable income to put into your pension. With a Zurich pension you can save from €30 per month.
How much could I be saving?
It’s up to you but it usually depends on when you would like to retire, what lifestyle you would like in retirement and how much you can afford to save. A simple way to check how much you should save is to use our Pension Calculator.
Important Information
This calculator is designed to give an indication of the monthly pension contribution you may need to make in order to achieve your target monthly income in retirement. It is important to note that the calculator takes into account that your target monthly income includes the Social Welfare pension, which Zurich Life assumes you will be entitled to when you retire. The calculations are in line with Zurich Life's Understanding of Guidelines issued by the Society of Actuaries in Ireland (Actuarial Standard of Practice Pen-12 Version 1.6) and may change in the future. These figures are for illustrative purposes only and are not an offer of contract. These figures are estimates only. They are not a reliable guide to the future performance of your investment. Actual investment growth will depend on the performance of the underlying investments and may be more or less than illustrated.
Get pension savvy
Our short video guides provide helpful advice on starting a pension.
Why choose zurich?
Award winning investment performance*
One of the main funds we invest pensions in is our flagship Balanced Fund.
This fund has delivered an average return of 10.1% since its launch in 1989, and in 2021 alone, it delivered an 18.4% return.
If your pension was invested in the Balanced Fund since it launched in 1989, you would have seen more growth than the sector average.
Trust in our expertise
Zurich has been meeting the financial needs of people in Ireland for over 40 years. Pensions form a huge part of what we do, with thousands of Irish people trusting us to manage their retirement funds. In fact, our investment team, based in Blackrock, Co. Dublin, is responsible for funds under management of approximately €27.5 billion, of which pension assets amount to €16.9 billion (as at 30th September 2022).
Online access 24/7
With 24/7 access to Zurich’s online client centre, you can see how your pension is performing at any stage. And with a wide range of helpful tools, calculators and videos, you’ll have access to everything you need to help you plan for your future.
Investing responsibly
We’re conscious of the need to ensure that we invest your funds responsibly. We want to do good, naturally, but we also want to do well in investment terms. Zurich Insurance Group is a signatory to the UN Principles of Responsible Investment since 2012 and Zurich Life in Ireland maintain a key focus in this area.
Find out more about our Responsible Investment approach
Begin your pension journey today
Sound advice is invaluable, so it’s a good idea to seek advice from a financial broker/advisor who can guide you through the process and help you select the right pension plan for your circumstances.
So, if you’d like to take the next step:
Contact our Financial Planning team directly
Arrange for us to contact you
Find an advisor in your locality
*Investment Provider Excellence Award, Brokers Ireland, 2022; Pension Provider Excellence Award, Brokers Ireland, 2022; Overall Excellence in Financial Service Providers Award, Brokers Ireland, 2021
41% of working adults don’t have a pension. 84% of working adults, with no pension in place, plan to live off the state pension when they retire. Source: Zurich Pensions Survey, conducted by iReach, August 2022.
The information contained herein is based on Zurich's understanding of current Revenue practice as at 01 January 2023 and may change in the future.