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Normal retirement

Normal retirement age is the age at which you can retire and take your full benefits under an occupational pension scheme. It can also refer to the age you expect to retire under a personal retirement savings account (PRSA) or a personal pension. Taking benefits at normal retirement age ensures that you have the best chance to maximise your retirement benefits and some options or guarantees under your pension arrangement may only apply at normal retirement age.

Occupational pension schemes provide benefits at the scheme’s normal retirement age, which is generally a fixed age between 60 and 70. The most typical normal retirement age is 65.

If you have a PRSA or a personal pension you have flexibility on when you take your pension benefits between 60 and 75.

There are a relatively small number of professions where Revenue will permit retirement before age 60, such as certain sports people.