Five ways to invest your pension like a legend
Richard Hales, Pensions Propositions Manager, Aviva Life & Pensions Ireland
Your pension isn’t just a pot of money—it’s your future lifestyle. Whether you dream of golfing in Portugal, opening a seaside café in Kinsale, or simply spoiling the grandkids rotten, investing your pension wisely is the key to unlocking that legendary retirement.
Here’s how to do it like a legend:
1. Know your risk appetite
Are you a thrill-seeker who checks the stock market for fun? Or more of a “keep it steady” type who prefers a good night’s sleep over market drama?
Aviva offers a wide range of pension funds, from cautious to adventurous, tailored to different risk profiles. The key is to match your investments to your comfort level and time horizon. If you’ve got decades to go, you might afford more risk. Closer to retirement? You might want to dial it down.
Legendary Tip: Risk isn’t a bad word—it’s a tool. Use it wisely, and it can work in your favour.
2. Diversify like a pro
You wouldn’t put all your eggs in one basket. The same goes for your pension.
Diversification means spreading your investments across asset classes, like equities, bonds, property, and alternatives. This helps reduce risk and smooth out the bumps along the way.
Aviva’s Multi-Asset Funds do the heavy lifting for you, blending different investments into one professionally managed package.
Legendary Tip: Diversification is like a good Irish stew—many ingredients working together for a hearty result.
3. Think long-term (because retirement isn’t a one-day event)
Markets go up, markets go down. But over time, they have historically tended to go up. That’s why staying invested and resisting the urge to panic is crucial.
Compound growth is your secret weapon. The earlier you start and the longer you stay invested, the more your money has potential to grow. Even small contributions—say, €100 a month—can snowball into something substantial over time, especially the younger you start.
Legendary Tip: Don’t try to time the market. Time in the market is what counts.
4. Stay informed (without becoming obsessed)
You don’t need to become a financial guru, but it helps to check in on your pension periodically.
Aviva’s online tools and the Pensions Coach educational hub make it easy to:
- Track your fund’s performance
- See how your pension is growing
- Adjust your contributions or fund choices
- Learn more about your options in plain English
Knowledge is power—but don’t let daily market noise distract you from your long-term goals.
5. Get professional advice (because legends don’t go it alone)
Even the best athletes have coaches. Your pension deserves one too.
A financial broker can help you:
- Understand your options
- Choose the right funds for your goals and risk profile
- Plan for tax efficiency
- Adjust your strategy as life changes
They’ll help you make confident decisions—so you can focus on dreaming about that campervan trip across Europe.
Legendary Tip: A good broker is like a coach for your pension journey—they guide you through it and keep you on track.
Final Thought: Your Future Self Will Thank You
Investing your pension like a legend isn’t about being perfect—it’s about being proactive. The decisions you make today will shape the lifestyle you enjoy tomorrow.
Get expert advice:
Want to retire like a legend? Talk to a financial broker today and take control of your pension journey.
This article is not intended to give advice or a personal recommendation. If you'd like a personalised recommendation based on your circumstances, you should speak with a financial broker. You can find a financial broker on brokersireland.ie.
Revenue rules and terms and conditions apply. Remember that tax laws can change over time, so it is important to check revenue.ie for the latest information.