{"id":4347,"date":"2026-05-26T20:12:37","date_gmt":"2026-05-26T20:12:37","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ie\/solutions\/pensions-and-retirement-planning"},"modified":"2026-06-16T00:55:25","modified_gmt":"2026-06-16T00:55:25","slug":"pensions-and-retirement","status":"publish","type":"rbcwm_solutions","link":"https:\/\/www.rbcwealthmanagement.com\/en-ie\/solutions\/pensions-and-retirement","title":{"rendered":"Pensions and retirement planning"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-nn4zojnk9 hide-mobile-energy-lines is-style-cta-text\"><style>\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9 .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-nn4zojnk9.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Pensions and retirement planning<\/span><\/h1><span class=\"rbc-hero-category\"><span>Wealth planning<\/span><\/span><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/solutions\/\">Solutions<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"rbc-hero-subtitle\">Retirement is about the freedom to do more of what you\n\t\t\t\t\t\t\t\t\tlove. We make it straightforward to see what\u2019s possible \u2013 guiding you through every\n\t\t\t\t\t\t\t\t\tchoice to build a plan that brings your ambitions to life.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap undefined\"><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap\"><div class=\"col-lg\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/contact-us\" class=\"rbc-button  rbc-button-large rbc-button-secondary rbc-button-block rbc-button-block-cta\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Contact us<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-flush rbc-block-image-bleed rbc-block-image-mobile-top has-theme-color has-block-grey-background-color has-text-color has-background has-link-color wp-elements-e0b7294e6c606af22d3c253e071a2cb9\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 class=\"wp-block-heading\" id=\"h-planning-for-retirement\"><strong>Planning for retirement<\/strong>\n\t\t\t\t\t<\/h2>\n\n\n\n<p>Whether you want to travel, learn a new hobby or spend time with family, planning early increases\n\t\t\t\t\t\tyour chances of enjoying a comfortable and fulfilling retirement.<\/p>\n\n\n\n<p><br>Some of the questions to think about include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When do I want to retire?<\/li>\n\n\n\n<li>What do I want to do in retirement?<\/li>\n\n\n\n<li>How much money do I need to retire?<\/li>\n\n\n\n<li>Do I want to leave a financial legacy for my loved ones?<\/li>\n<\/ul>\n\n\n\n<p class=\"has-link-color wp-elements-54edc8757e824aa41f7bc812d3f31d2b\">We can help you consider your priorities and calculate your projected retirement pot. We\u2019ll then explain how much you need to save&nbsp; and put a financial plan in place to help you achieve your goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-saving-for-retirement\">Saving for retirement<\/h2>\n\n\n\n<p class=\"has-link-color wp-elements-f1b0a57ff1a6d5670915952badc7d571\">Understanding the best way to save for retirement can feel overwhelming. Pensions are a highly tax-efficient way of saving for retirement, and other savings and investments can be important too.<\/p>\n\n\n\n<p>We can guide you through your options and advise on a retirement savings plan that bridges the\n\t\t\t\t\t\tgap between where you are and where you want to be.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-making-the-most-of-your-allowances\">Making the most of your\n\t\t\t\t\t\tallowances<\/h3>\n\n\n\n<p>We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-link-color wp-elements-578cb14650bcef5bbc23c5f535887bb9\">Use your&nbsp;pension annual allowance<\/li>\n\n\n\n<li class=\"has-link-color wp-elements-04c634adfb09ecca3527c0bc7e284472\">Build your retirement fund <\/li>\n\n\n\n<li class=\"has-link-color wp-elements-3ac5b504e8a4e1c5871853594dd0909a\">Understand your options<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-plan-that-suits-your-needs\"><strong>A plan that suits your\n\t\t\t\t\t\t\tneeds<\/strong><\/h3>\n\n\n\n<p id=\"h-a-plan-that-suits-your-needs\">We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list has-link-color wp-elements-17e1e913f5690518758d478b116f72f0\">\n<li>Build a diversified investment portfolio<a> <\/a>using the asset allocation that&#8217;s right for you&nbsp;<\/li>\n\n\n\n<li>Decide whether to&nbsp;combine your pension pots<\/li>\n\n\n\n<li>Understand the impact of&nbsp;delaying retirement<\/li>\n\n\n\n<li>Use other savings vehicles<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-taking-income-in-retirement\"><strong>Taking income in\n\t\t\t\t\t\t\tretirement<\/strong><\/h2>\n\n\n\n<p class=\"has-link-color wp-elements-38cb64e383646e221b42cbf0e8158f55\">There\u2019s more flexibility when it comes to drawing income from your pension than there was in the past. Some of your options could include&nbsp;buying an annuity, taking pension lump sums, transferring to an Approved Retirement Fund (ARF), or a combination of all three. Other savings and investments could also be an important source of income for you.<\/p>\n\n\n\n<p class=\"has-link-color wp-elements-12dc8ec6be57fb7b356fa4f2fde988b7\">We can guide you through your options, transferring to an Approved Retirement Fund (ARF),&nbsp;and explain how much you can afford to withdraw each year. That way, you\u2019ll feel confident that your retirement savings will go the distance.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-2\"><div class=\"rbc-block-image-bleed-img-wrap \"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-right\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/03\/5d741b92a1166515aae0d87c0ce363a3ae38037c.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<div class=\"wp-block-rbcwm-rbc-button aligncenter rbc-button-block row no-gutters align-items-end b-white blockId-4019e8e2-aaf0-4186-adbf-109f3a403356 blockId-64249d9b-82a2-4242-9119-f8a7347e02e6 blockId-3a2ef21c-7a06-4db3-b3f9-c7716c8e867b rbc-block-has-overlap overlap-bottom\"><div class=\"rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col-lg-8\"><h3 class=\"mb-0 rbc-button-block-title\"><span>Plan for the life you\u2019ve earned<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Our wealth managers will walk you through your\n\t\t\t\t\t\t\t\t\t\t\t\toptions and build a retirement plan that puts you in control.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"col-lg-7\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/contact-us\" target=\"_self\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-warm-grey rbc-button-block\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Contact us<\/span><\/a><\/div><div class=\"rbc-button-block-text-col d-flex col-lg-5\"><div class=\"rbc-button-block-text flex-grow-1\"><div><span><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/our-offices-and-people?type=people\" data-type=\"page\" data-id=\"458\" class=\"link-underline\">Find a wealth manager<\/a><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 class=\"wp-block-heading rbc-block-header-title col-lg-12\" id=\"h-common-questions-about-pensions-and-retirement-planning\">Common questions about\n\t\t\t\t\t\t\t\tpensions and retirement planning<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row blockId-ab8e603f-3765-4749-a433-df7737bfa06b\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"wp-block-rbcwm-expandable-container-block rbc-expandable-container\"><div class=\"rbc-card rbc-card-shadow\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body rbc-card-flush rbc-card-box\">\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"how-long-will-my-pension-pot-need-to-last\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"how-long-will-my-pension-pot-need-to-last-content\" data-target=\"how-long-will-my-pension-pot-need-to-last-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 class=\"wp-block-heading h5\" id=\"h-how-long-will-my-pension-pot-need-to-last\">How long will my pension pot need to\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tlast?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"how-long-will-my-pension-pot-need-to-last-content\" aria-labelledby=\"how-long-will-my-pension-pot-need-to-last\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">You could need your pension pot to last for several decades. It\u2019s really important not to underestimate your life expectancy. <\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"how-much-will-i-get-from-the-state-pension\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"how-much-will-i-get-from-the-state-pension-content\" data-target=\"how-much-will-i-get-from-the-state-pension-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 class=\"wp-block-heading h5\" id=\"h-how-much-will-i-get-from-the-state-pension\">How much will I get from the state\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tpension?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"how-much-will-i-get-from-the-state-pension-content\" aria-labelledby=\"how-much-will-i-get-from-the-state-pension\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-14d86b57-d32b-4f3a-b268-84da7dd11294\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">The amount of money you\u2019ll get from the state pension depends on your record of Pay Related Social Insurance (PRSI) contributions over your working life. <\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"what-should-i-be-doing-five-years-before-retirement\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"what-should-i-be-doing-five-years-before-retirement-content\" data-target=\"what-should-i-be-doing-five-years-before-retirement-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 class=\"wp-block-heading h5\" id=\"h-what-should-i-be-doing-five-years-before-retirement\">What should I be doing five years\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tbefore retirement?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"what-should-i-be-doing-five-years-before-retirement-content\" aria-labelledby=\"what-should-i-be-doing-five-years-before-retirement\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">If you hope to retire in five years, it\u2019s important to speak to one of our advisers. They can advise on whether your plans are achievable. Our wealth managers use cashflow modelling&nbsp; to illustrate how long your money is likely to last in retirement. This is based on your current finances, how much you\u2019re saving and investing, your spending patterns, and your goals. This will help you understand whether you need to make any changes to your plans or saving and investing habits.<\/p>\n\n\n\n<p>We can also check whether your pension is invested in the right\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tway. We ensure you\u2019re not taking on too much or too little\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tinvestment risk.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"strongwhat-are-annuities-and-how-do-they-work-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"strongwhat-are-annuities-and-how-do-they-work-strong-content\" data-target=\"strongwhat-are-annuities-and-how-do-they-work-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 class=\"wp-block-heading h5\" id=\"h-what-are-annuities-and-how-do-they-work\"><strong>What are annuities and how\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdo they work?<\/strong><\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"what-are-annuities-and-how-do-they-work-content\" aria-labelledby=\"what-are-annuities-and-how-do-they-work\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">An annuity provides you with a regular, guaranteed\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tincome in retirement. You can buy an annuity with some or all of\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tyour pension. How much income you receive will depend on factors\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsuch as the size of your pension, your age, existing annuity\n\t\t\t\t\t\t\t\t\t\t\t\t\t\trates, where you live, and your health and lifestyle.<\/p>\n\n\n\n<p class=\"mt-1\">Whether an annuity is right for you will depend on\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tyour individual circumstances. We can help you decide on the\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tbest way of drawing income from your pension pot.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"how-much-of-my-pension-can-i-take-as-a-tax-free-lump-sum\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"how-much-of-my-pension-can-i-take-as-a-tax-free-lump-sum-content\" data-target=\"how-much-of-my-pension-can-i-take-as-a-tax-free-lump-sum-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 class=\"wp-block-heading h5\" id=\"h-how-much-of-my-pension-can-i-take-as-a-tax-free-lump-sum\">How much of my pension can I take as\n\t\t\t\t\t\t\t\t\t\t\t\t\t\ta tax-free lump sum?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"how-much-of-my-pension-can-i-take-as-a-tax-free-lump-sum-content\" aria-labelledby=\"how-much-of-my-pension-can-i-take-as-a-tax-free-lump-sum\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">Under current Irish Revenue rules, you can take a portion of your pension savings as a tax-free lump sum at retirement. There is a lifetime limit of \u20ac200,000 on the total tax-free amount across all pension arrangements. Lump sums between \u20ac200,001 and \u20ac500,000 are taxed at 20%, and any amount above \u20ac500,000 is taxed at your marginal rate of income tax. The proportion of your fund available as a lump sum will depend on the type of pension arrangement you hold.<\/p>\n\n\n\n<p class=\"mt-1\">The value of your investment may go down as well as up. You may get back less than you invest. Past performance is not a reliable guide to future performance. If you invest in this product you may lose some or all of the money you invest. This product \/ service may be affected by changes in currency exchange rates. The income you get from this investment may go down as well as up.<\/p>\n\n\n\n<p class=\"mt-1\">This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"strongwhat-happens-to-my-pension-when-i-die-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"strongwhat-happens-to-my-pension-when-i-die-strong-content\" data-target=\"strongwhat-happens-to-my-pension-when-i-die-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 class=\"wp-block-heading h5\" id=\"h-what-happens-to-my-pension-when-i-die\"><strong>What happens to my pension\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\twhen I die?<\/strong><\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"what-happens-to-my-pension-when-i-die-content\" aria-labelledby=\"what-happens-to-my-pension-when-i-die\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">What happens to your pension when you die depends on the type of pension, whether you\u2019ve started drawing an income from it, and the rules of your scheme.<\/p>\n\n\n\n<p>We strongly recommend discussing your pension nomination and estate planning arrangements with one of our wealth managers to ensure your wishes are carried out as tax-efficiently as possible.<\/p>\n\n\n\n<p class=\"mt-1\">This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\t\t\t<section class=\"rbc-block rbc-block-featured b-primary\" data-location_id=\"Related solutions - Article two column card list\">\n\t\t\t\t<div class=\"container\">\n\t\t\t\t\t<div>\n\t\t\t\t\t\t<header class=\"row rbc-block-header\">\n\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"rbc-block-header-title col-lg-8\">Related solutions<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 rbc-block-header-cta-wrap text-lg-right text-left mb-half mb-lg-0\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/solutions\" class=\"link-chev rbc-block-header-cta wp-block-rbcwm-related-solutions-link\"><span>All solutions<\/span><div class=\"rbc-icon\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/header>\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Wealth planning and management<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>A personalised financial plan supports your ability to manage your wealth and focus on what matters most, with guidance tailored to your goals and family priorities.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/solutions\/wealth-planning\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Wealth planning and management<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Financial planning for life events<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Life can change quickly. We can guide you through significant moments \u2013 whether planned or unexpected \u2013 with clear advice, insightful ideas and tailored strategies.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/solutions\/life-events\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Financial planning for life events<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey overlap-top overlap-bottom rbc-block-has-overlap has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 class=\"wp-block-heading rbc-block-header-title col-lg-12\" id=\"h-our-insights-and-ideas-nbsp\"><strong>Our insights and\n\t\t\t\t\t\t\t\t\t\tideas<\/strong>&nbsp;<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-ie\/wp-content\/uploads\/sites\/24\/2023\/03\/Probability-GettyImages-1311283409_1920x729.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Probability<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tResponsible investing\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/insights\/probability\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Probability<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-ie\/wp-content\/uploads\/sites\/24\/2020\/09\/counting-down-to-the-us-elections-1200x627-1.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Counting down to the US elections<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tAnalysis\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/insights\/counting-down-to-the-us-elections\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Counting down to the US elections<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-ie\/wp-content\/uploads\/sites\/24\/2020\/01\/thick-and-thin-1201449663-1200x627-1.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Thick and Thin \u2013 LANY<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tFinancial protection\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/insights\/thick-and-thin-lany\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Thick and Thin \u2013 LANY<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t<div class=\"rbc-button-block row no-gutters align-items-end rbc-block-spacer-t justify-content-end\">\n\t\t\t\t\t\t\t\t<div class=\"col-lg-5 order-1\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ie\/insights\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"rbc-icon rbc-button-icon-right\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tBrowse more insights\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial advice and retirement planning to help you make the most of your pension savings and prepare for the future.<\/p>\n","protected":false},"author":49,"featured_media":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-4347","rbcwm_solutions","type-rbcwm_solutions","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pensions and retirement planning &#8211; 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