Retire Right

Online Programme

Retire Right

Online Programme

Retire Right is an online and on-demand programme that is provide directly through your employer. It has been designed to help you better understand both your financial and your personal wellbeing as you prepare for retirement. By taking this course, you'll learn what you need to do and when you need to do it, so you can create your best retirement.

All about our Retire Right modules

We all know that planning for retirement takes more than saving while you work. That's why Retire Right covers everything from change, purpose and expectations to pensions, budgeting and inheritance planning in retirement. Below you will find out what's covered in each module.

The pensions landscape: Superannuation

When it comes to your retirement plan a great place to start is finding out what you’ll get from your Superannuation Scheme. This module will cover:

  • The four Superannuation Schemes in the Public Sector
  • How your pension and lump sum is calculated,
  • If you’ll be eligible for State Pension or Supplementary Pension
  • How Death Benefit changes in retirement 
  • How Cost Neutral Early Retirement works if you’re planning to finish a little early

All about AVCs

Whether you have an Additional Voluntary Contribution (AVC) already or are thinking about a Last Minute AVC before you retire there is a lot to understand. This module will make it simple by covering:

  • What an AVC is
  • How tax relief works
  • Funding for extra income in retirement
  • Maximising your tax-free Lump Sum
  • Bridging the gap if you’re retiring early

Free at last, free at last!

Staying connected

Making the most of your money

When you potentially have 30+ years in retirement, it’s important to know what options are available to you to make your money last for your entire retirement. In this module you’ll learn:

  • How inflation impacts your money over time
  • Short, medium and long term goals for your money
  • What you need to know for long term investing

Finding new purpose

Prioritising self-care

Tax in retirement

Did you know that all income is assessable for tax, even in retirement? In this module you will get a clear understanding of how the PAYE system works and what you need to know to remain tax compliant in retirement. We’ll also cover:

  • Some tax credits and reliefs available
  • Changes that occur in retirement
  • Incomes outside of the PAYE System

Inheritance planning

Did you know that Ireland has one of the world's highest rates of Capital Acquisitions Tax (CAT). Without proper planning, you could end up giving Revenue a sizable chunk of your hard-earned money. An inheritance tax plan and a will could help you pass on more to your loved ones. In this module, we’ll take a look at:

  • What a will really is and why you need one
  • Understanding the difference between Executor of a will, Power of Attorney and Enduring Power of Attorney
  • CAT thresholds for your family and friends
  • Passing on more with gift exceptions and tax planning

Giving back - now or never

Being savvy with your budget

Throughout your lifetime, you’ve probably created many financial plans that included a budget – like for that big holiday, buying a house or sending the kids to college. In retirement it’s no different, except you’ll likely have to adjust to a reduced monthly income and increased expenses as you go further into retirement. In this module you’ll get

  • Tips and tricks on how to manage your money
  • The steps to create a budget
  • All about debt management and credit cards
  • Opportunities to reduce your outgoings
  • And some reliefs that you should seek out in retirement

Embracing the outdoors

You only retire once

How to get started with Retire Right

  • Register

    Your employer will send you a Promo Code and access link by email. Can't find it? Contact your HR department.

  • Promo Code

    Select buy now, enter your details and Promo Code and confirm your order. This course can only be accessed with a Promo Code.

  • Access

    You'll receive a confirmation email to set your password and start the Programme.