Pension funds look superficially similar — they all promise "long-term growth" with a multi-asset mix. The difference between the best and worst, over 30 years, is hundreds of thousands of euro. Charges, asset mix and manager skill all compound.
pension & PRSA funds tracked
range of annual charges
top rate of tax relief available
Standard Fund Threshold ceiling
Sorted by 5-year annualised return. Remember that higher returns usually mean higher risk — always check the risk rating column.
Returns are annualised, net of AMC. A PRSA is a personal pension wrapper you can open yourself. A pension fund is the underlying investment — the same funds are often available inside both PRSAs and company pensions.
The AMC is only part of the picture. Some providers layer on a policy fee, a bid-offer spread and a contribution charge. A 1% AMC on paper can become 1.4% in practice.
Pension basicsEvery euro you put into a Revenue-approved pension gets income tax relief — up to the age-based limit. If you're not maximising this, you're leaving money on the table every single year.
Tax relief guideIf you've 30 years until retirement, being in a cautious bond-heavy fund is probably the wrong call. If you're 60, it's almost certainly the right one. Lifecycling matters.
Fund typesIreland's largest pension provider — MAPS range, Empower PRSA, Indexed funds.
View providerPrisma multi-asset range and the flagship Performance Fund.
View providerPart of Bank of Ireland Group — iFunds and Passive IFML ranges.
View providerMulti-Asset Funds and Climate Transition Equity for ESG investors.
View providerMyFolio range — Market, Managed and Sustainable variants.
View providerLifeStyle Balanced and Growth funds.
View provider