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Saving for retirement in your 40s

Your 40s are a great time to save for retirement. Embrace the golden rule: the best time to start is now. It's never too late, and every contribution helps.

  

Products are provided by Irish Life Assurance and advice is provided by Irish Life Financial Services.

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Is it a good idea to start a pension in your 40s?

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How much should you be saving in your 40s?

How to improve your pension in your 40s

Regularly review your payments

Look at potential income tax relief

Consider AVCs (Additional Voluntary Contributions)

Think about combining your pensions

Feature List

Why choose Irish Life?

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Advice and Guidance

Our advisors are on hand to help you and offer guidance.

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Trust

Trusted provider to 1.2 million customers (2025)

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We deliver

4.6/5 customer satisfaction score (2024)

Your pension questions answered

Free consultation

Want to talk to an expert?

What happens in your appointment?

Get an evaluation of your finances

Get answers to your questions

Get a free personalised plan

Get the right recommendations

“Use 60 mins to invest in your life, it’s time well spent on your future.”

Photo of - Linda Moran, Financial Advisor Irish Life

- Linda Moran

Financial Advisor Irish Life

Irish Life Financial Services Limited, trading as Irish Life, is regulated by the Central Bank of Ireland. Irish Life Financial Services is an insurance intermediary tied to Irish Life Assurance for life and pensions.