OMAC Life

Start the new year with a plan for your future.

January is a natural time to review your budget, and your pension should be part of that conversation. Contribution rates that were right a few years ago may no longer be optimal as your income and circumstances change.

Different age brackets require different strategies to stay on track for retirement.

A short pension review can help you:

Align contributions with your age and goals.
Build your pension into a realistic monthly budget.
Make full use of available tax relief.

Get in touch to start the year on the right financial footing.

Buy a Property with Your Pension

Tax-Free Rental Income
All rental income earned goes back into your pension tax-free. That’s right — no income tax, no USC, no PRSI.

No Capital Gains Tax
When you eventually sell the property, there’s zero CGT — meaning more growth stays in your pension pot.

Use Your Pension, Not Your Savings
You don’t need to dip into personal savings. With a Self-Directed Pension (like a PRSA), you can invest pension funds directly into property.

Grow Your Pension Pot with Property
Property can offer long-term capital appreciation + steady rental income — ideal for building wealth for retirement.

You’re in Control
Choose the property. Negotiate the deal. Manage it yourself or via a letting agent. You call the shots — not a fund manager.



OMAC Life & Pensions Ltd t/a OMAC Life is regulated by the Central Bank of Ireland

•EMPLOYERS•

Ireland’s new Auto-Enrollment pension scheme is scheduled to launch in January 2026. This will introduce a mandatory workplace pension for employees who meet certain criteria and are not already enrolled in a pension plan.

While Auto-Enrollment is an important step toward improving retirement readiness, it’s worth considering whether a private occupational pension scheme might offer better value and flexibility for both your business and your employees.

Key Points to Consider:

Contribution Matching: Auto-Enrollment includes matched contributions from employers and the State, but private schemes may allow more generous or tailored contribution options.

Control and Customisation: With a private pension plan, you have more say over provider choice, investment options, and scheme design.

Employee Retention: A well-structured private pension can enhance your employee benefits offering and help with staff retention and recruitment.

Cost Implications: In some cases, private schemes can be more tax-efficient and cost-effective over the long term.

With just over 3 months to go before Auto-Enrollment begins, now is a good time to review your current pension arrangements or explore private pension options if you haven’t already.

If you’d like to discuss what’s best for your business and team, feel free to get in touch and we can schedule a chat.

Are you worried about Market Volatility?

• You can probably expect more volatility in the coming months.

• Investing while Markets have taken a dip could be an advantage.

• There is no point in stressing WHEN is the right time to invest. History has showed us that over time markets will rise again📈

• You should commit to investing for a minimum 5 - 10 years in order to mitigate your timing risk.

• DON’T panic to sell / switch when there is a dip. Holding out could prove to be rewarding in the long run.

Are you worried about Market Volatility? • You can probably expect more volatility in the coming months. • Investing while Markets have taken a dip could be an advantage. • There is no point in stressing WHEN is the right time to invest. History has showed us that over time markets will rise again📈 • You should commit to investing for a minimum 5 - 10 years in order to mitigate your timing risk. • DON’T panic to sell / switch when there is a dip. Holding out could prove to be rewarding in the long run. #investment #financialgoals