Pension reviews in Wicklow and Dublin
Pension consolidation and investment reviews
Several old schemes can make it hard to see what you own or what each arrangement costs. Mark's Pensions reviews your pensions first. Consolidation may suit you, or keeping a scheme where it is may be the better decision.
Start with the facts.
A clear review starts with the statements and scheme details you already have.
What a review gives you
Three practical outcomes. No automatic transfer recommendation.
Understand what you hold.
See each scheme, policy type and relevant benefit in one documented view.
Compare costs and funds.
Review charges and fund information on a like-for-like basis where data allows.
Receive a written recommendation.
Understand the reasons to transfer, retain or review an arrangement further.
When to take stock
Signs your pensions warrant a closer look
Old paperwork can hide useful details. Open a point to see what we would check.
A review can clarify that.
You have schemes from three or more former employers
We map the arrangements you can identify and note any missing statements or scheme information before considering next steps.
Statement charges are unclear or higher than expected
We look for fund management charges, policy fees, adviser charges and transaction costs in the documents available.
A default fund has never been explained or reviewed
We check the fund's stated approach, investment mix and performance information against your circumstances and time horizon.
You are unsure about guarantees or protected benefits
We identify scheme rights and contract terms that could change or be lost if you transfer.
Your career has included time outside Ireland
We record where each arrangement sits and flag cross-border details that may need separate specialist consideration.
The decision comes later
Suitability comes before any transfer decision
A transfer can change more than the account that holds your pension. The recommendation needs to account for the terms attached to each arrangement.
An occupational scheme, personal retirement bond, PRSA and buy-out bond each has its own structure. The name alone does not tell you whether it is suitable to keep or transfer.
We compare the benefits, charges, fund choice and relevant contract terms. If available information is incomplete, we set out what still needs to be confirmed before a decision can be made.
Every recommendation is documented, including the reasons to retain an arrangement where that is the suitable course.
Some rights cannot be replaced. We check for them before discussing a move.
A like-for-like review
Charges and fund performance, side by side
A headline return can leave out the effect of fees. We review the available figures together and explain where comparisons have limits.
Net figures matter.
| Review area | What we examine | Why it matters |
|---|---|---|
| Charges | Allocation rates, fund management charges, policy fees and transaction costs shown in the documents. | Different fee layers can affect the amount invested and the value that remains over time. |
| Fund performance | Available performance figures alongside charges, fund objectives and the periods measured. | Past returns are not a forecast, and figures should be read in context. |
| Risk and time horizon | The fund's stated risk, your documented profile and the time remaining before retirement. | A fund needs to fit your circumstances, not only its recent results. |
| Long-term fee effect | Illustrations showing how a charge difference may affect a pension value over different time periods. | Illustrations depend on assumptions and are not a promise of future value. |
Investment preferences
Ethical and sustainable fund preferences
Fund labels can describe different screening rules and investment methods. We look at the stated approach before considering how it fits your risk profile.
Preferences need evidence.
Screening rules
We review what a fund excludes or limits, how it defines those criteria and whether the approach applies across all holdings.
Responsible investment
We check how the fund describes its use of environmental, social or governance factors and what information supports those claims.
Risk and diversification
We consider whether an option keeps a suitable spread of investments and remains consistent with your documented risk profile.
Your preferences are recorded and can be reviewed alongside fund information over time. A preference does not remove investment risk or guarantee a particular outcome.
Keep the risk in view
Risk profile and diversification
A pension fund should reflect how you feel about investment losses and how much time you have before you need the money.
Risk changes over time.
- Document your profile. We record your attitude to risk, capacity for loss and relevant investment timeframe.
- Check concentration. We look for exposure dominated by one fund, market or investment area.
- Review diversification. We consider the spread across asset classes, regions and fund managers where information is available.
- Revisit as retirement approaches. Your capacity for risk and plans for taking benefits may change.
Consolidating accounts does not automatically improve diversification. We assess the underlying investments and compare them with your circumstances before making a recommendation.
See retirement income planningTake the first step
Find out what you hold and what it costs
Request a pension consolidation and investment review. Tell us how many arrangements you have, if you know, and we can discuss what information to gather.
Begin with your statements.
What to have ready for the review
- Recent statements for each pension arrangement
- Scheme or policy details, if available
- Any information about guarantees or protected benefits
- Your questions about charges, funds or transfer terms