Understand your pension. Take control of your future.
Most people have no idea what fund their pension is invested in — or what that choice is costing them. In two minutes, we'll show you why fund choice matters more than almost anything else, and help you find the profile that matches you.
- 6%
- vs 4% over 25 yrs
- 2x+
- potential outcome
- 1%
- assumed AMC
Fund Impact Calculator
See what fund choice could mean for you
Compare projected outcomes across four annual return rates. Assumes a 1% annual management charge.
Investment horizon: 25 years
Assumed annual management charge: 1%. Projections are illustrative and not advice.
The Cost of Fund Choice
€633,561 difference at maturity
The gap between a 4% and a 10% annual return over 25 years — same contributions, different fund. This is why fund choice matters more than most people realise.
Why fund choice matters
The single biggest decision most people never make
Your contribution level matters. Your start age matters. But over a 20–30 year horizon, the fund you choose can outweigh both — quietly, year after year.
Default ≠ optimal
Most pensions sit in a default fund picked by your employer or provider — not by you, and not for you.
Compounding amplifies everything
Small differences in annual returns become huge differences in retirement value.
Charges quietly compound too
We assume a 1% annual management charge — anything higher eats further into your outcome.
Step 2 — Your profile
Discover your investor profile in 2 minutes
6 quick questions on your time horizon, attitude to volatility, capacity for loss and experience. We'll match you to one of three risk profiles and explain what it means for your fund choice.
Start the risk quiz →- 6 short multiple-choice questions
- 3 possible outcomes — Cautious, Balanced, Adventurous
- Instant synopsis of your attitude to risk
- Educational only — no signup required