Pensions · Pre-retiree, Dormant pots, Job-mover

Understand the fees and fund mix on your existing pots — before you decide to consolidate.

FarrFin doesn't give pension advice — when you're ready, we introduce you to an independent qualified financial advisor. This page is for understanding — drop a statement to see the typical leaks, or use the dormant-pots checklist if you don't have statements yet.

No statements?

Old pots lying dormant from a previous employer?

6-question check → fee-drag illustration → "what to ask each former employer's HR" checklist PDF.

Run the dormant-pots check →

Upload Your Recent Pension Benefit Statements for Analysis

Drag & drop PDFs here, orbrowse

Files stay on your device in this prototype — only the filename + size is sent with your audit request until Lovable Cloud secure storage is enabled.

What type of Irish pension is this?

Transfer rules and drawdown options differ sharply between PRSAs, occupational schemes and PRBs. We surface the right rules before any advisor handoff.

PRSA (Personal Retirement Savings Account)Fully portable. Since Finance Act 2022 employer contributions are uncapped and BIK-free — strong vehicle for self-employed directors.Occupational scheme (current or ex-employer)Transfers from a live scheme are generally blocked. Transfers from an ex-employer scheme need trustee consent, and a 2-year rule can apply to recent leavers.PRB / Buy-Out BondAn ex-employer benefit already moved out of the original scheme. Drawdown rules track the original scheme's Normal Retirement Age.A mix / not sureAn advisor will identify the exact scheme type from your statement before suggesting any consolidation.

Revenue tax-relief limits (2025)

Personal contributions get income-tax relief at your marginal rate, subject to age-banded % limits on earnings capped at €115,000:

Under 30 · 15%
30–39 · 20%
40–49 · 25%
50–54 · 30%
55–59 · 35%
60+ · 40%

Flag any concerns about your existing portfolio

High management fees (>1% AMC)

Inactive / frozen pots

Outdated fund mix

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