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Pension options

Potentially your income could come from the State pension, your occupational pension scheme, if you are in such a plan, a personal retirement savings account (PRSA) or a personal pension if you have them, and any other non-pension based sources of income you may have.

Your options will depend on your work situation. If you are an employee, you may be able to join a pension scheme sponsored by your employer. Employees in the public sector can join their public sector pension scheme. The self-employed can take out a personal pension. PRSAs are open to virtually anyone – employed, self-employed or those currently not working – to save for retirement.