How your work can shape the pension questions
Retail and hospitality work can involve several employers, variable hours, seasonal income and career breaks. A person may have a workplace scheme, a PRSA, MyFutureFund coverage or small preserved benefits from previous jobs.
Pension benefits and arrangements to identify
Check current payroll deductions and employer contributions, then list earlier employments and pension statements. Establish whether the current employment is covered by a qualifying workplace arrangement or MyFutureFund and avoid assuming that every job uses the same account.
| Decision area | What to establish |
|---|---|
| Current coverage | What is deducted, what does the employer add and where is it invested? |
| Previous jobs | Are there preserved benefits or accounts under old addresses? |
| Affordability | What regular contribution can continue through changing hours? |
| Job changes | What happens to each pension when employment ends? |
Documents to gather before a review
A useful review starts with evidence, not assumptions.
- Recent payslip and current scheme or MyFutureFund information.
- Employment history and any old pension correspondence.
- Monthly budget and emergency-savings position.
- Beneficiary details and intended retirement age.
How an advisor can help
An advisor can identify the accounts already in place, explain contribution and investment choices, compare transfer options carefully and build a realistic contribution plan. The first priority may be securing the full available employer contribution rather than opening another product.
What the review should produce
Ask for a clear record of the pensions included, benefits that could be lost, all product and advice charges, the assumptions used, the recommended contribution or retirement strategy and the next review date. A personal recommendation should follow a full fact-find and suitability assessment.
Last reviewed: 21 September 2026. Rules depend on your circumstances.
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