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Adequacy of income at retirement

In order to plan for retirement you will need to consider where your income will come from in retirement and what level of income you will need. It is important to note that many people have unrealistic expectations as to the level of pension they will receive in retirement.

If you already have a pension arrangement, you can find out the likely level of pension you may receive by asking the pension contact; in the case of an occupational scheme you should ask the trustees or administrator for a statement, in the case of a personal pension or personal retirement savings account (PRSA), you should ask your life assurance company or PRSA provider.

You can also use the Pension Calculator to estimate your retirement income.