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Pensions and Retirement Planning
Are You Prepared for Auto-Enrolment?
Ireland’s new auto-enrolment pension scheme is scheduled to launch on the 30th September 2025. Whether you’re an employer or an employee, you need to know what auto-enrolment means and whether it is the right option for you.
Our team of expert advisors are on hand to help! Speak to us now on 016831673 or click below to schedule an appointment.
What is Auto-Enrolment?
Auto-enrolment is a new pension savings system designed to ensure that more employees in Ireland are financially prepared for retirement.
Employees aged 23-60, earning over €20,000 per year, and not already in a pension scheme will be auto-enrolled.
Employers are required to contribute an equal rate to their employees’ contributions
The Irish government will top up employee contributions at a 33% rate (equivalent to 25% tax relief).
The scheme is mandatory for employers, but employees can choose to opt-out at specific times.
Why is Auto-Enrolment Important?
Retirement Preparedness:
Over 750,000 workers have no private pension savings, leaving them reliant on the State Pension. Auto-enrolment ensures more workers actively save for their future.
Mandatory Employer Contributions:
Businesses must contribute towards employee pensions, affecting payroll budgets and financial planning.
Legal Compliance:
Employers who fail to meet their obligations risk penalties and reputational damage.
Auto-Enrolment Pension Scheme: What Employers Need to Know
Helping You Navigate Ireland’s New Pension Requirements
Auto-enrolment is one of the biggest changes to Ireland’s pension system in decades. Set to launch on 30 September 2025, it will impact hundreds of thousands of employees and place new obligations on employers of all sizes.
At Symmetry Financial, we help businesses understand their responsibilities, budget for contributions, and explore pension strategies that align with their goals. Whether you’re new to workplace pensions or reviewing your existing scheme, our expertise ensures you stay ahead of the changes.
Free Download
Is Your Business Ready for Auto-
Enrolment?
Understanding auto-enrolment’s impact is crucial for employers. At Symmetry Financial, we provide tailored guidance, pension solutions, and strategic advice for businesses of all sizes.
Download Our Free Auto-Enrolment Guide
For Employers: Understand how AE affects your payroll, legal obligations, and pension planning.
For Employees: Learn how Auto Enrolment works, your rights, and what this means for your retirement savings.
Actions You Should Take Now:
Employer Checklist
Get Prepared
✓ Understand what auto-enrolment means for your business & workforce.
✓ Learn about eligibility, employer duties, and penalties for non-compliance.
✓ Budget and Plan for pension costs.
Educate your Employees
✓ Develop a communications plan that provides clear information both before and during Auto Enrolment roll out.
✓ Share our Employee’s guide as part of your employee education.
Know Your Options
✓ Should you offer a private scheme instead of Auto Enrolment?
✓ Are there alternative pension structures better suited to your company?
Free Download
Pension Pathways: Auto Enrolment vs Defined Contribution vs PRSA Comparison
This comprehensive guide provides an objective analysis of the three main pension pathways available to Irish workers. Drawing on the latest legislation and financial projections, we’ve distilled complex pension information into clear, actionable insights to help you make informed retirement planning decisions.
Whether you’re an employer preparing for the Auto Enrolment rollout, or an employee wondering how these changes affect your financial future, this document offers side-by-side comparisons of contribution structures, projected outcomes, and key features across all three pension types.
Why Work With Symmetry Financial?
Expert Pension Advice
We simplify complex pension regulations, ensuring your business is compliant and future-ready.
Customised Solutions
Whether you’re an SME or a large corporation, we offer tailored pension strategies to suit your workforce and budget.
Ongoing Support
From setup to compliance, we provide ongoing guidance so you stay one step ahead.
I would definitely recommend…
Kanwar Singh helped me throughout
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Kanwar Singh helped me throughout the process in getting the mortgage for my house. He was very helpful and guided me at each step. There was no delay from his end. It helped a lot. I would definitely recommend him. Thanks.
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I have already got the keys of my house…
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Normally I don’t write reviews. But this one I am writing it only because of the way Jonathan handled my case. I got his contact around September last year & this week; I have already got the keys of my house. Jonathan is exceptional Mortgage broker. He is very proactive, honest & responsive in his approach. Always providing advice in a timely manner with all the details. Without him, it would not be possible. Georgina was also very helpful and supported throughout the entire process. I would highly recommend Jonathan for any of your mortgage needs.
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We couldn’t recommend Mark &
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Jonathan, Danielle and the team
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I just received the keys
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I just received the keys to my new house, and I genuinely believe it wouldn’t have happened without Jonathan and his team’s help. A year ago, my fiancé and I approached Jonathan for mortgage advice, not anticipating the level of assistance we would receive from a broker. Jonathan was incredibly helpful, professional, and patient with us throughout the application stage. He maintained constant contact while we were house hunting, offering valuable support in handling inquiries and enhancing our understanding of what we could afford based on our finances. Ultimately, thanks to Jonathan, we secured our perfect house. His confidence gave us a morale boost when we least expected it. Based on our excellent experience with Jonathan and his team, I highly recommend their services.
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From the very beginning of
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From the very beginning of our interactions with Symmetry Financial, the team were efficient, responsive, and insightful. Our mortgage process went through quite a few twists and turns over the course of about a year, involving a multitude of revisions and worried phone calls and emails. Mark & Stephen always responded quickly and kindly, doing everything they could to get us the best deal and to move things along through the process. Couldn’t recommend Symmetry highly enough and we’re very grateful for the support we received from them.
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Jonathan Martin and the team
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Jonathan Martin and the team at Symmetry simplified everything for us, and made the mortgage application process run really smoothly. They were so helpful, efficient and communicative throughout that it drastically reduced the stress of buying a new home. We would highly recommend them to anyone who’s going for a mortgage or needs financial advice.
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I cannot recommend Symmetry Financial enough…
I cannot recommend Symmetry Financial
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I cannot recommend Symmetry Financial enough. We were recommended this company through our solicitor and we’re so thankful that we were. Stephen Farrell was the most amazing person to deal with. He explained the process of our mortgage clearly and went through all our options with regards to products from different banks (FYI – Symmetry work with more banks than any of the other brokers we spoke to). Stephen got us a product that was perfect for us and helped speed up the process so that we didn’t miss the deadline for the sale too. He was also great when it came to getting us the perfect life insurance also. Honestly, do yourself a favour and chat to them. We were blown away with the service and we now have a home thanks to Stephen’s hard work and diligence.
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I was recommended symmetry and
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I was recommended symmetry and Mark Solon’s services 3 years ago. I gave mark a call 2 years ago regarding my mortgage application. He told me exactly what I needed to do over the next two years as I had just setup a company and started working for myself. Two years later I called Mark and we started the mortgage application. It went through no problem and Mark and his team were a pleasure to deal with. Always keeping us updated on where the process was at. I couldn’t recommend them enough. Thanks Mark!
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The whole process was completely streamlined…
We worked with Jonathan in
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We worked with Jonathan in Symmetry Financial Management for our recent first time buyer mortgage, based off a family member’s recommendation. Jonathan was hugely supportive and made what felt like an initially daunting task very manageable. We always felt we could approach Symmetry with queries, and were always responded to in a timely manner. The whole process was completely streamlined with Jonathan’s help and we are extremely grateful as we settle in to our new home!
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If I could rate 10 stars I would!..
If I could rate Jonathan
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If I could rate Jonathan and the team in Symmetry 10 stars I would!!! I’ve never experienced better customer service from a company, which was hugely reassuring during our mortgage application. Jonathan and Gemma were extremely supportive throughout the whole process. I know from speaking to others about our application experience Symmetry went above and beyond by comparison to other providers. If you’re considering a mortgage application you’ll be in excellent hands with the team at Symmetry.
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I used their service for
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I used their service for securing mortgage for our first home. The Mortgage advisor assigned to me (Mr Kanwar) was very pleasant person to deal with. Extremely professional and helpful. The mortgage application process is not easy specially for first time buyers, but I must say Symmetry Financial Management are really great at this. I am very happy with their service and would highly recommend to anyone who is seeking a mortgage. They Guarantee the best rates & deal available in the market. You just provide them with the required document and they take care of everything for you.
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We had a fantastic experience with Symmetry Financials and their mortgage advisor, Kanwar Singh, along with Gemma. They made the home-buying process seamless. Kanwar’s expertise and Gemma’s support were invaluable. I felt well-informed and confident throughout. I highly recommend Symmetry Financials for their exceptional service.
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This was my first time
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Auto-Enrolment is coming, and early planning will .