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How much do you pay into you pension

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By *rRios OP   Man
6 days ago

dublin

I know all the sexy questions!

…and at what age did you start?

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By *ildfire MiaWoman
6 days ago

Dublin

I am waiting very excitedly for the answers 🤔

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By *exyScientistsCouple
6 days ago

Castlebar

When I started work...

The amount varies depending on what else is going on our lives. More importantly we have income protection as I know a few people that have needed this in recent years. It's vital if you have dependants.

Wow this is so hot 🔥 🥵 😍

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By *iscuits8Man
6 days ago

Meath / Dublin / Birmingham

Only started it about 3/4 years ago

It's not at any great figure but I've another 30 years or so to go

Gonna bump up the contributions soon enough. Looks like everyone's taking a bit of a tanking at the minute

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By *hePixieAndTheBearCouple
6 days ago

Galway

Clean and discreet Defined Benefits pension holder looking for same for accounting and frolics. ❤️‍🔥

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By *rRios OP   Man
6 days ago

dublin


"Only started it about 3/4 years ago

It's not at any great figure but I've another 30 years or so to go

Gonna bump up the contributions soon enough. Looks like everyone's taking a bit of a tanking at the minute"

Yea, I haven’t started mine but was thinking of vomiting €1000pm into it (from gross rather than net) and was wondering what’s a “normal” amount for someone who started at a normal age

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By *rRios OP   Man
6 days ago

dublin


"Clean and discreet Defined Benefits pension holder looking for same for accounting and frolics. ❤️‍🔥"

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By *INTMan
6 days ago

Minutes from Somewhere Else

18% of my pre-tax salary.

Company contribution is 6%

My contribution is 6%

Company will match my contribution up to 6%.

So while technically only 6% is coming out of my salary, the matching contributions are basically "free money" which I'm absolutely going to leverage.

It's also a good idea to have a separate, second pension pot where you throw in what you can afford on a regular basis. Doesn't have to be a huge amount to make a difference long term.

Started early. In my 20s (now in my 40s). The earlier you start, the better. When it comes to your pension, compound interest is your friend.

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By *ealitybitesMan
6 days ago

Belfast

I've paid into one since 1988 but the contributions were locked into whatever I could afford at the time and can't be changed or transferred so it's worth pittance now.

I have two other workplace pensions that haven't had any contributions since leaving those jobs and I don't have any disposable income to top them up.

I had a conversation recently with a financial advisor who said they are advising that everyone has a minimum pot of £250k on retirement. I don't even have a third of that.

Someone on the radio the other day was advising what monthly contributions should be and I turned it off when he said it was more than I actually earn.

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By *INTMan
6 days ago

Minutes from Somewhere Else


"Only started it about 3/4 years ago

It's not at any great figure but I've another 30 years or so to go

Gonna bump up the contributions soon enough. Looks like everyone's taking a bit of a tanking at the minute

Yea, I haven’t started mine but was thinking of vomiting €1000pm into it (from gross rather than net) and was wondering what’s a “normal” amount for someone who started at a normal age "

Do it. As much as you can afford and keep it up.

If the organization you work for (assuming you're not self-employed) provides any additional matching to your contributions, take it. As much as you can.

I prefer to think of it in terms of percentages as that way it remains a constant regardless of my earnings. If I earn more, the contribution goes up.

Would also suggest you consider it another bill like rent/mortgage/utilities/whatever. Should consider it untouchable and non-negotiable.

As the SexyScientists said earlier - consider income protection as well. Life can, and often does, throw curve balls.

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By *INTMan
6 days ago

Minutes from Somewhere Else

The irony being that that's a fair amount of forward planning from someone who's username is an acronym for "There Is No Tomorrow". 😂

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By *og-ManMan
6 days ago

somewhere

Very lucky in that my company always paid my contribution.

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By *enguin1Man
6 days ago

The sticks

About 20%........in recent years I've got into the practice of whatever salary increase I get, i increase my pension by the same.

Not getting any younger ya know 🥴

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By *rishcpl69Couple
6 days ago

omagh

As a pension adviser - rough rule of thumb (if you can afford it) is half your age, you should contribute ! 20 yrs old -10 percent 40 yrs old 20 percent - or as previous comment - put in every years pay rise - you’ll feel it’s not your money - the south is years behind the UK in contributions and auto enrolment

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By *ogladyWoman
6 days ago

The bog

I started 13 years ago I put in 30 a week and company tops it up by 60 a week so it's 90 a week..

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By *acob12369Man
6 days ago

URPANTS

Don't have 1 but do have an apartment in Dublin

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By *agneyandhutchCouple
6 days ago

lucan

Pension is around 20 years old. Currently 25% being paid in between employers and my contribution. Have started looking at figures for an earlier retirement. Bring it on!

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By *urious_2025Man
6 days ago

Dublin

I put in 15% and the company puts in another 5%. I only started mine at 40 (46 now) so trying to play catch up.

Like others said start a pension as early as you can, even if it's only putting in a little and then increase as you can.

You'll appreciate it at retirement as you chill on your sun lounger on the Med 👌

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By *oo32Man
6 days ago

tipperary

2000 started with the cif

It was a lot better when I finished in 2023,about 45 from me and 45 from employer

Now I'm paying about the same(40) into company pension and 50 into a private one

I don't think it'll be much good,it'll be for the nieces and nephews to spend anyway

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By *antra MassageMan
6 days ago

Dublin and midlands

When I was 19 some old dude in the place I worked, called all the young wans in for a chat. I had no interest in his pension speech, but I did sign the forms, like all the others. best decision ever made.. Contributions deducted at source , never missed them. Never gave it another thought.

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By *r_Insatiable666Man
6 days ago

Cork


"As a pension adviser - rough rule of thumb (if you can afford it) is half your age, you should contribute ! 20 yrs old -10 percent 40 yrs old 20 percent - or as previous comment - put in every years pay rise - you’ll feel it’s not your money - the south is years behind the UK in contributions and auto enrolment "

Is that 10% matched (5% and 5%) or 10% of your monthly income?

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By *onusTerritoryWoman
6 days ago

Westmeath

Lucky to pay me bills these days tbh!

So, no. Unfortunately not!

I do have 6 years contributions into a defined benefits pension from a job I left 20+ years ago now so that's not likely to be much good to me come pension age!

Ah well, I'll survive!

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By *ipstick KissesWoman
6 days ago

Newry

Truthfully, I've no idea. It comes out of my wages before I get them and it's topped up by my employer. Whatever will be will be. I can't afford to pay anything more anyway, at least til I get my son through university 🤷

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By *outhDublinMan86Man
6 days ago

shankill

20% of pre tax salary. Company puts in 10%. Maxing out the tax free limits.

Can’t wait until I’m 65 and my pension pot will buy myself a single 99 with raspberry syrup maybe.

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By *ictureperfectCouple
6 days ago

Kildare

I put 5% of my salary, company puts 5%. I thought about putting more in but I find I make more by putting extra funds into S&P ETFs and whiskey

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By *ataWoman
6 days ago

Meh

Started when I was 26. Put 24% of my salary (max for my age group I think). Company 7%, me 7%, AVC (me) 10%. I want to have a really comfortable travelling life when I retire.

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By *xstevenxxMan
5 days ago

dublin

Your allowed after you reach the age of 50 get access to your pension fund, be it getting 1/4 tax free or the whole lot

I ve cashed my in at 50.

Paid off the mortgage and started again. I invest my old mortgage amount each month without fail.

The amount of interested I ve saved on my mortgage was serious amount yet to be paid. If you’ve no nooce around your neck to pay each month the more you can invest.

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By *wotorememberCouple
5 days ago

Cork / Mayo

Income protection is as important as a pension . You get tax relief on your income protection which you can claim back annually via ROS . Eg. 35k income protection, no nurse medical requirement,is about 120€ & you claim back 40% .

The more you put into your pension , with some company’s, the more capital percentage is invested and some administration fees are less.

But start a pension asap, it will be needed.

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By *xstevenxxMan
5 days ago

dublin

Can’t remember what was said to be

With our amazing government do t get me started on there pensions - what is the retirement age 65 or is it 67 currently ?

You can be guaranteed by the time we all reach retirement age they ll have added another 1-2 yrs onto it

Bar your in civil service you can retire once you ce 30 yrs service with a fairly decent pension. -

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By *lassicpMan
5 days ago

Kerry

Would anyone be interested in stocks and shares or looking a person who's good at them 🙏

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By *allDarkHandsome101Man
5 days ago

City

Started when I was 25 @5% company matches my 5% every bonus that I have gotten since has gone in too tax free hallelujah!

Apart from the tax free percs cards cut I think I got a good deal!

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By *ooking2099Man
5 days ago

cork


"Only started it about 3/4 years ago

It's not at any great figure but I've another 30 years or so to go

Gonna bump up the contributions soon enough. Looks like everyone's taking a bit of a tanking at the minute

Yea, I haven’t started mine but was thinking of vomiting €1000pm into it (from gross rather than net) and was wondering what’s a “normal” amount for someone who started at a normal age "

If your employer doest have a pension facility in place, go seek a professional and get the right advice. Ive two pensions, one from a previous job, havent paid into it in 14 years, and one ive been paying into 8.5years and the one fron 14 years ago is prefoming better

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By *astelloWoman
5 days ago

Far far away

Private pension as self employed

paying 400pm for a few years. Tax deduction reasons..

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By *oodgirlgioWoman
4 days ago

Mullingar

In my first interview, I asked them at the end if I was successful in my application would setting up a pension transfer be something that management could give me direction in as I had never experienced it before and said that while I understood in the surface I may appear inexperienced after asking that, I would hope it would show the commitment and intent I have and an eagerness on learning how to do things right from the start in all aspects. I wasn't successful, it gives me a giggle looking back on now as I was quite young and out of my depths lol

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By *ornywife20Couple
4 days ago

North Cork

[Removed by poster at 28/03/25 13:17:58]

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By *ildarekinkstersCouple
4 days ago

kinkytown

At the moment it's 10% of my current monthly wage which is matched by the company. I've had it since I was 34 so just over 8 years. I want a comfortable life after I retired so between that and my savings we should be alright

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By *ollinrock77Man
4 days ago

mullingar

I'll be working until the day I check out

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