How your work can shape the pension questions
Technology careers often involve frequent employer changes, contracting through a company, overseas service and compensation that includes bonuses or shares. Pension benefits can become scattered, while volatile remuneration makes fixed saving targets less useful.
Pension benefits and arrangements to identify
Identify every workplace scheme and preserved benefit, then separate PAYE employment from sole-trader or company income. Confirm whether overseas arrangements can remain in place and obtain specialist advice before considering a cross-border transfer.
| Decision area | What to establish |
|---|---|
| Old employers | What benefits, charges and guarantees remain in each former scheme? |
| Contracting | Is the work performed as PAYE, sole trader or through a company? |
| Variable pay | Should bonuses or company cash flow affect contribution timing? |
| International work | Which pensions and tax jurisdictions need specialist review? |
Documents to gather before a review
A useful review starts with evidence, not assumptions.
- Statements from current and former employer schemes.
- Contracting or company structure and remuneration details.
- Overseas pension documents and residency history.
- Share awards, emergency savings and target retirement date.
How an advisor can help
An advisor can build an inventory, compare keep-versus-transfer options, plan contributions around variable pay and coordinate Irish arrangements with appropriately qualified cross-border advice. They can also test whether investment exposure is overly concentrated in the technology sector.
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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