Скачать или смотреть Everything You Need to Know About Ireland’s Auto-Enrolment Pension Scheme

If you are one of the 800,000 people in Ireland who do not have a workplace pension, your paycheck may be a bit lighter this month. This week, Ireland’s Auto-Enrolment Pension Scheme (a.k.a. MyFutureFund) launched, aiming to address the shortcomings of the State Pension. If you are part of this cohort, 1.5% of your gross salary is now being directed into a retirement account.

Luckily for Stock Club listeners, we’re joined by Ralph Benson from MoneyCube to walk you through all the details.

With an ageing population and inflation on the rise, auto-enrolment is a key way Europeans can help ensure their comfort in retirement — but there’s a lot to unpack.

One especially important point: if you’re in the highest tax bracket in Ireland, you may be leaving money on the table by relying solely on auto-enrolment. Additionally, fund selection is fairly limited, giving you little control over where your money is invested.

*Some questions we answer:*

What should I do if I’m an employer?
Will I be enrolled if I’m self-employed?
My employer hasn’t spoken to me about auto-enrolment or MyFutureFund — should I ask them about it?
Should I start my own personal pension or stick with auto-enrolment?
Can I have both a personal pension and auto-enrolment?
Is auto-enrolment good for Ireland’s overall pension market?
Will it have a positive knock-on effect on Ireland’s investing culture?

If you find yourself in auto-enrolment, you won’t want to miss this episode.

For more information head to: [MyFutureFund.ie](http://MyFutureFund.ie)

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00:00 Intro
01:42 Details and Impact of Auto-enrolment
06:39 Unknowns of the scheme, withdrawals and fees
16:16 Auto-enrolment vs Private Pensions (Tax benefits)
24:04 What should I do if I’m an employer?
24:58 Will I be enrolled if I’m self-employed?
25:36 My employer hasn’t spoken to me about auto-enrolment , should I ask them about it?
27:12 Should I start my own personal pension or stick to auto-enrolment?
29:00 Can I have both a personal pension and auto-enrolment?
31:02 Is auto-enrolment good for Ireland’s overall pension market?
32:32 Impact on the Irish investing landscape
40:43 One thing every Irish investor should know