[{"data":1,"prerenderedAt":6925},["ShallowReactive",2],{"cms-page:private-clients":3,"cms-guides":139},{"id":4,"title":5,"generateSlug":6,"url_title":7,"sortOrder":8,"type":9,"parent":10,"page_heading":5,"intro":71,"image":8,"content":72,"seo":135,"updatedAt":137,"createdAt":138},44,"Private Clients",false,"private-clients",null,"detailed_service",{"id":11,"title":12,"generateSlug":6,"url_title":13,"sortOrder":8,"type":14,"parent":15,"page_heading":12,"intro":55,"image":8,"content":56,"seo":67,"updatedAt":69,"createdAt":70},3,"Wealth Management","wealth-management","main_service",{"id":16,"title":17,"generateSlug":6,"url_title":18,"sortOrder":8,"type":14,"parent":8,"page_heading":19,"intro":20,"image":8,"content":21,"seo":50,"updatedAt":53,"createdAt":54},2,"Services","services","Our Services","From wealth management and financial planning to corporate advisory and employee benefits, Indigo Investment Group offers advice across the areas that matter most.",{"root":22},{"type":23,"format":24,"indent":25,"version":26,"children":27,"direction":36},"root","",0,1,[28,37,42,46],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":31,"direction":36},"h2","heading",[32],{"mode":33,"text":34,"type":35,"style":24,"detail":25,"format":25,"version":26},"normal","Advice built around you","text","ltr",{"type":38,"format":24,"indent":25,"version":26,"children":39,"direction":36,"textStyle":24,"textFormat":25},"paragraph",[40],{"mode":33,"text":41,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether you are growing personal wealth, protecting your family, or planning for your business, we help you understand the options and put a clear plan in place.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":43,"direction":36},[44],{"mode":33,"text":45,"type":35,"style":24,"detail":25,"format":25,"version":26},"Explore our areas of expertise",{"type":38,"format":24,"indent":25,"version":26,"children":47,"direction":36,"textStyle":24,"textFormat":25},[48],{"mode":33,"text":49,"type":35,"style":24,"detail":25,"format":25,"version":26},"Browse Wealth Management, Financial Planning, Business Services and Mortgages to find the support you need — then book a meeting when you are ready to talk.",{"title":51,"description":52,"image":8},"Services | Indigo Investment Group","From wealth management and financial planning to corporate advisory and workplace benefits, Indigo Investment Group offers advice across the areas that matter most.","2026-10-08T20:34:40.127Z","2026-09-27T09:26:25.825Z","Strategic wealth management to help you grow, protect and pass on your assets with confidence.",{"root":57},{"type":23,"format":24,"indent":25,"version":26,"children":58,"direction":36},[59,63],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":60,"direction":8},[61],{"mode":33,"text":62,"type":35,"style":24,"detail":25,"format":25,"version":26},"Make More of the Wealth You Have Built",{"type":38,"format":24,"indent":25,"version":26,"children":64,"direction":8,"textStyle":24,"textFormat":25},[65],{"mode":33,"text":66,"type":35,"style":24,"detail":25,"format":25,"version":26},"What would you like your wealth to make possible? It may mean greater financial freedom, enjoying more of life today, providing opportunities for your family, preparing for retirement or creating a lasting legacy. Wealth management brings the different parts of your financial life together, helping you make informed decisions and giving your money a clear purpose for the years ahead.",{"title":68,"description":55,"image":8},"Wealth Management | Indigo Investment Group","2026-10-03T21:52:27.575Z","2026-09-27T09:26:26.023Z","Private client wealth advice for individuals and families with more complex financial needs.",{"root":73},{"type":23,"format":24,"indent":25,"version":26,"children":74,"direction":8},[75,79,83,87,91,129],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":76,"direction":8},[77],{"mode":33,"text":78,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your Wealth. Your Life. One Clear Strategy.",{"type":38,"format":24,"indent":25,"version":26,"children":80,"direction":8,"textStyle":24,"textFormat":25},[81],{"mode":33,"text":82,"type":35,"style":24,"detail":25,"format":25,"version":26},"As your financial life becomes more complex, making good decisions is about more than managing individual investments or pensions. It is about understanding how everything fits together. Your wealth, family, career, property, retirement plans and future ambitions are all connected. Private client advice brings those elements together, helping you make informed decisions with a clear view of the life you want your wealth to support.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":84,"direction":8},[85],{"mode":33,"text":86,"type":35,"style":24,"detail":25,"format":25,"version":26},"Private Client Advice, Built Around You",{"type":38,"format":24,"indent":25,"version":26,"children":88,"direction":8,"textStyle":24,"textFormat":25},[89],{"mode":33,"text":90,"type":35,"style":24,"detail":25,"format":25,"version":26},"At Indigo Investment Group, our Private Client service begins with understanding you, your family and what you want to achieve. Your adviser will take time to understand your financial position, priorities and long-term ambitions before bringing the different elements of your wealth into one coordinated strategy. From investments and retirement planning to estate planning and cash flow modelling, we help you see the complete picture and make considered decisions at every stage.",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":94,"listType":128,"direction":8,"textFormat":26},"ul","list",[95,102,108,114,121],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":97,"direction":8},"listitem",[98,100],{"mode":33,"text":99,"type":35,"style":24,"detail":25,"format":26,"version":26},"See your complete financial picture:",{"mode":33,"text":101,"type":35,"style":24,"detail":25,"format":25,"version":26}," bring your investments, pensions, savings, property and other assets together to understand your overall position.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":103,"direction":8},[104,106],{"mode":33,"text":105,"type":35,"style":24,"detail":25,"format":26,"version":26},"Give your wealth a clear purpose:",{"mode":33,"text":107,"type":35,"style":24,"detail":25,"format":25,"version":26}," connect your financial decisions with the lifestyle, opportunities and legacy you want to create for yourself and your family.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":109,"direction":8},[110,112],{"mode":33,"text":111,"type":35,"style":24,"detail":25,"format":26,"version":26},"Coordinate your financial strategy:",{"mode":33,"text":113,"type":35,"style":24,"detail":25,"format":25,"version":26}," align investment, retirement, estate and financial planning so each element works towards your wider objectives.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":116,"direction":8},4,[117,119],{"mode":33,"text":118,"type":35,"style":24,"detail":25,"format":26,"version":26},"Plan for important decisions:",{"mode":33,"text":120,"type":35,"style":24,"detail":25,"format":25,"version":26}," use cash flow modelling and professional guidance to explore retirement, significant purchases, family support, wealth transfers and other major life choices.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":123,"direction":8},5,[124,126],{"mode":33,"text":125,"type":35,"style":24,"detail":25,"format":26,"version":26},"Build a long-term relationship:",{"mode":33,"text":127,"type":35,"style":24,"detail":25,"format":25,"version":26}," work with an adviser who understands your circumstances and can help your strategy evolve as your life, family and priorities change.","bullet",{"type":38,"format":24,"indent":25,"version":26,"children":130,"direction":8,"textStyle":24,"textFormat":25},[131,133],{"mode":33,"text":132,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your Indigo Private Client Adviser will provide a central point of guidance for your financial life, helping you understand your options and coordinate the different elements of your wealth. Where appropriate, we can also work alongside your accountant, solicitor and other professional advisers to help ensure your wider plans remain connected. ",{"mode":33,"text":134,"type":35,"style":24,"detail":25,"format":26,"version":26},"Begin with a complimentary discovery meeting and start a positive conversation about what you want your wealth to make possible and how Indigo Investment Group can help you build a strategy around it.",{"title":136,"description":71,"image":8},"Private Clients | Indigo Investment Group","2026-10-03T21:55:27.417Z","2026-10-03T21:25:26.319Z",[140,444,590,784,1143,1509,1876,3838,4344,4853,5382,5898,6141,6401,6643],{"id":141,"title":142,"generateSlug":6,"url_title":143,"sortOrder":26,"type":144,"parent":145,"page_heading":142,"intro":164,"image":165,"content":176,"seo":440,"updatedAt":442,"createdAt":443},56,"Family Protection Guide","family-protection-guide","guide",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":150,"seo":161,"updatedAt":163,"createdAt":163},24,"Guides","guides","Practical guides from Indigo Investment Group to help you prepare for investing, mortgages, retirement and family protection.",{"root":151},{"type":23,"format":24,"indent":25,"version":26,"children":152,"direction":36},[153,157],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":154,"direction":36},[155],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start with the essentials",{"type":38,"format":24,"indent":25,"version":26,"children":158,"direction":36,"textStyle":24,"textFormat":25},[159],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},"These guides are designed to give you a clear overview before you speak with an adviser — so conversations are focused and productive.",{"title":162,"description":149,"image":8},"Guides | Indigo Investment Group","2026-09-27T09:26:30.538Z","A guide to protecting your family’s lifestyle - covering life insurance, income protection and the decisions that matter most.",{"id":16,"alt":166,"_objectKey":8,"updatedAt":167,"createdAt":168,"url":169,"thumbnailURL":8,"filename":170,"mimeType":171,"filesize":172,"width":173,"height":174,"focalX":175,"focalY":175},"Protecting Family Income Guide","2026-10-03T23:00:58.393Z","2026-10-03T23:00:57.813Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fprotection.jpg","protection.jpg","image\u002Fjpeg",179433,1024,682,50,{"root":177},{"type":23,"format":24,"indent":25,"version":26,"children":178,"direction":8},[179,183,187,193,197,201,205,210,214,218,222,226,230,326,328,332,364,368,396,400,404,408,412,416,420,424,428,434,438],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":180,"direction":8},[181],{"mode":33,"text":182,"type":35,"style":24,"detail":25,"format":25,"version":26},"Protect the people who matter most",{"type":38,"format":24,"indent":25,"version":26,"children":184,"direction":36,"textStyle":24,"textFormat":25},[185],{"mode":33,"text":186,"type":35,"style":24,"detail":25,"format":25,"version":26},"Family protection can help replace lost income and preserve financial stability if death, serious illness or a long-term health condition changes everything.",{"type":38,"format":24,"indent":25,"version":26,"children":188,"direction":36,"textStyle":24,"textFormat":26},[189,191],{"mode":33,"text":190,"type":35,"style":24,"detail":25,"format":26,"version":26},"Protect your family’s future today.",{"mode":33,"text":192,"type":35,"style":24,"detail":25,"format":25,"version":26}," Speak with an Indigo Protection adviser to understand the cover available and build a plan around your income, commitments and priorities.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":194,"direction":8},[195],{"mode":33,"text":196,"type":35,"style":24,"detail":25,"format":25,"version":26},"When a medical crisis becomes a financial crisis",{"type":38,"format":24,"indent":25,"version":26,"children":198,"direction":36,"textStyle":24,"textFormat":25},[199],{"mode":33,"text":200,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your income helps pay the mortgage or rent, household bills, childcare, education costs and everyday living expenses. If you die, become seriously ill or cannot work for an extended period, those commitments may continue even when your income does not. Family protection is designed to provide money when it is needed most-helping the people you care about maintain stability and make important decisions without immediate financial pressure.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":202,"direction":8},[203],{"mode":33,"text":204,"type":35,"style":24,"detail":25,"format":25,"version":26},"Three ways to protect your family",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":207,"direction":8},"h3",[208],{"mode":33,"text":209,"type":35,"style":24,"detail":25,"format":25,"version":26},"Life insurance",{"type":38,"format":24,"indent":25,"version":26,"children":211,"direction":36,"textStyle":24,"textFormat":25},[212],{"mode":33,"text":213,"type":35,"style":24,"detail":25,"format":25,"version":26},"Life insurance pays a lump sum or income if the person insured dies during the policy term. That payment can help replace lost income, clear or reduce debts, meet household costs and provide longer-term financial support for a partner or children. The right amount and term will depend on your income, liabilities, dependants and existing benefits.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":215,"direction":8},[216],{"mode":33,"text":217,"type":35,"style":24,"detail":25,"format":25,"version":26},"Serious illness cover",{"type":38,"format":24,"indent":25,"version":26,"children":219,"direction":36,"textStyle":24,"textFormat":25},[220],{"mode":33,"text":221,"type":35,"style":24,"detail":25,"format":25,"version":26},"Serious illness cover pays a tax-free lump sum if you are diagnosed with a specified serious illness covered by your policy. The payment can help with treatment-related costs, changes to your home, debt repayments or day-to-day expenses while you focus on recovery",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":223,"direction":8},[224],{"mode":33,"text":225,"type":35,"style":24,"detail":25,"format":25,"version":26},"Income protection",{"type":38,"format":24,"indent":25,"version":26,"children":227,"direction":36,"textStyle":24,"textFormat":25},[228],{"mode":33,"text":229,"type":35,"style":24,"detail":25,"format":25,"version":26},"Income protection can pay a regular replacement income if illness or injury leaves you unable to work for an extended period. Payments normally begin after an agreed deferred period and may continue until you return to work. The level of cover available is linked to your earnings and policy terms.",{"type":231,"format":24,"indent":25,"version":26,"children":232,"colWidths":322,"direction":8},"table",[233,245,265,284,303],{"type":234,"format":24,"indent":25,"version":26,"children":235,"direction":8},"tablerow",[236],{"type":237,"format":24,"indent":25,"colSpan":11,"rowSpan":26,"version":26,"children":238,"direction":8,"headerState":11,"verticalAlign":244,"backgroundColor":8},"tablecell",[239],{"type":38,"format":240,"indent":25,"version":26,"children":241,"direction":36,"textStyle":24,"textFormat":26},"center",[242],{"mode":33,"text":243,"type":35,"style":24,"detail":25,"format":26,"version":26},"Protection at a glance","middle",{"type":234,"format":24,"indent":25,"version":26,"children":246,"direction":8},[247,253,259],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":248,"direction":8,"headerState":16,"backgroundColor":8},[249],{"type":38,"format":24,"indent":25,"version":26,"children":250,"direction":36,"textStyle":24,"textFormat":26},[251],{"mode":33,"text":252,"type":35,"style":24,"detail":25,"format":26,"version":26},"Cover",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":254,"direction":8,"headerState":25,"backgroundColor":8},[255],{"type":38,"format":24,"indent":25,"version":26,"children":256,"direction":36,"textStyle":24,"textFormat":26},[257],{"mode":33,"text":258,"type":35,"style":24,"detail":25,"format":26,"version":26},"What triggers a claim",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":260,"direction":8,"headerState":25,"backgroundColor":8},[261],{"type":38,"format":24,"indent":25,"version":26,"children":262,"direction":36,"textStyle":24,"textFormat":26},[263],{"mode":33,"text":264,"type":35,"style":24,"detail":25,"format":26,"version":26},"How it can help",{"type":234,"format":24,"indent":25,"version":26,"children":266,"direction":8},[267,272,278],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":268,"direction":8,"headerState":16,"backgroundColor":8},[269],{"type":38,"format":24,"indent":25,"version":26,"children":270,"direction":36,"textStyle":24,"textFormat":26},[271],{"mode":33,"text":209,"type":35,"style":24,"detail":25,"format":26,"version":26},{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":273,"direction":8,"headerState":25,"backgroundColor":8},[274],{"type":38,"format":24,"indent":25,"version":26,"children":275,"direction":36,"textStyle":24,"textFormat":25},[276],{"mode":33,"text":277,"type":35,"style":24,"detail":25,"format":25,"version":26},"Death during the policy term",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":279,"direction":8,"headerState":25,"backgroundColor":8},[280],{"type":38,"format":24,"indent":25,"version":26,"children":281,"direction":36,"textStyle":24,"textFormat":25},[282],{"mode":33,"text":283,"type":35,"style":24,"detail":25,"format":25,"version":26},"A lump sum or income to support dependants and financial commitments",{"type":234,"format":24,"indent":25,"version":26,"children":285,"direction":8},[286,291,297],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":287,"direction":8,"headerState":16,"backgroundColor":8},[288],{"type":38,"format":24,"indent":25,"version":26,"children":289,"direction":36,"textStyle":24,"textFormat":26},[290],{"mode":33,"text":217,"type":35,"style":24,"detail":25,"format":26,"version":26},{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":292,"direction":8,"headerState":25,"backgroundColor":8},[293],{"type":38,"format":24,"indent":25,"version":26,"children":294,"direction":36,"textStyle":24,"textFormat":25},[295],{"mode":33,"text":296,"type":35,"style":24,"detail":25,"format":25,"version":26},"Diagnosis of a specified serious illness",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":298,"direction":8,"headerState":25,"backgroundColor":8},[299],{"type":38,"format":24,"indent":25,"version":26,"children":300,"direction":36,"textStyle":24,"textFormat":25},[301],{"mode":33,"text":302,"type":35,"style":24,"detail":25,"format":25,"version":26},"A lump sum to create financial breathing space",{"type":234,"format":24,"indent":25,"version":26,"children":304,"direction":8},[305,310,316],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":306,"direction":8,"headerState":16,"backgroundColor":8},[307],{"type":38,"format":24,"indent":25,"version":26,"children":308,"direction":36,"textStyle":24,"textFormat":26},[309],{"mode":33,"text":225,"type":35,"style":24,"detail":25,"format":26,"version":26},{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":311,"direction":8,"headerState":25,"backgroundColor":8},[312],{"type":38,"format":24,"indent":25,"version":26,"children":313,"direction":36,"textStyle":24,"textFormat":25},[314],{"mode":33,"text":315,"type":35,"style":24,"detail":25,"format":25,"version":26},"Being unable to work due to illness or injury",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":317,"direction":8,"headerState":25,"backgroundColor":8},[318],{"type":38,"format":24,"indent":25,"version":26,"children":319,"direction":36,"textStyle":24,"textFormat":25},[320],{"mode":33,"text":321,"type":35,"style":24,"detail":25,"format":25,"version":26},"A regular replacement income ",[323,324,325],123,184,294,{"type":38,"format":24,"indent":25,"version":26,"children":327,"direction":8,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":329,"direction":8},[330],{"mode":33,"text":331,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why Indigo Protection?",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":333,"listType":128,"direction":8,"textFormat":26},[334,340,346,352,358],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":335,"direction":36},[336,338],{"mode":33,"text":337,"type":35,"style":24,"detail":25,"format":26,"version":26},"Advice built around your family:",{"mode":33,"text":339,"type":35,"style":24,"detail":25,"format":25,"version":26}," We consider your income, dependants, debts, employer benefits, existing cover and future plans.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":341,"direction":36},[342,344],{"mode":33,"text":343,"type":35,"style":24,"detail":25,"format":26,"version":26},"Clear explanations:",{"mode":33,"text":345,"type":35,"style":24,"detail":25,"format":25,"version":26}," We make the choices, costs, exclusions and trade-offs easier to understand.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":347,"direction":36},[348,350],{"mode":33,"text":349,"type":35,"style":24,"detail":25,"format":26,"version":26},"Access to suitable solutions:",{"mode":33,"text":351,"type":35,"style":24,"detail":25,"format":25,"version":26}," We assess available options and recommend cover aligned with your needs, circumstances and budget.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":353,"direction":36},[354,356],{"mode":33,"text":355,"type":35,"style":24,"detail":25,"format":26,"version":26},"Support from application to claim:",{"mode":33,"text":357,"type":35,"style":24,"detail":25,"format":25,"version":26}," We guide you through the application process and remain available when your circumstances change.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":359,"direction":36},[360,362],{"mode":33,"text":361,"type":35,"style":24,"detail":25,"format":26,"version":26},"Regular reviews:",{"mode":33,"text":363,"type":35,"style":24,"detail":25,"format":25,"version":26}," Protection should evolve as your income, mortgage, family and responsibilities change.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":365,"direction":8},[366],{"mode":33,"text":367,"type":35,"style":24,"detail":25,"format":25,"version":26},"A straightforward protection review",{"tag":369,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":370,"listType":395,"direction":8,"textFormat":26},"ol",[371,377,383,389],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":372,"direction":36},[373,375],{"mode":33,"text":374,"type":35,"style":24,"detail":25,"format":26,"version":26},"Understand your position.",{"mode":33,"text":376,"type":35,"style":24,"detail":25,"format":25,"version":26}," We discuss who relies on your income, what you need to protect and what cover you already have.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":378,"direction":36},[379,381],{"mode":33,"text":380,"type":35,"style":24,"detail":25,"format":26,"version":26},"Identify the gap.",{"mode":33,"text":382,"type":35,"style":24,"detail":25,"format":25,"version":26}," We estimate the financial impact of death, serious illness or long-term absence from work.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":384,"direction":36},[385,387],{"mode":33,"text":386,"type":35,"style":24,"detail":25,"format":26,"version":26},"Compare the options.",{"mode":33,"text":388,"type":35,"style":24,"detail":25,"format":25,"version":26}," We explain suitable types and levels of cover, policy terms and costs.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":390,"direction":36},[391,393],{"mode":33,"text":392,"type":35,"style":24,"detail":25,"format":26,"version":26},"Put the plan in place.",{"mode":33,"text":394,"type":35,"style":24,"detail":25,"format":25,"version":26}," We support your application and help you keep the cover under review.","number",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":397,"direction":8},[398],{"mode":33,"text":399,"type":35,"style":24,"detail":25,"format":25,"version":26},"Frequently asked questions",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":401,"direction":8},[402],{"mode":33,"text":403,"type":35,"style":24,"detail":25,"format":25,"version":26},"How much cover do I need?",{"type":38,"format":24,"indent":25,"version":26,"children":405,"direction":36,"textStyle":24,"textFormat":25},[406],{"mode":33,"text":407,"type":35,"style":24,"detail":25,"format":25,"version":26},"There is no single figure that suits everyone. A review should consider your income, mortgage and other debts, household expenditure, number and age of dependants, existing savings, employer benefits and the period for which support may be needed.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":409,"direction":8},[410],{"mode":33,"text":411,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do I need all three types of cover?",{"type":38,"format":24,"indent":25,"version":26,"children":413,"direction":36,"textStyle":24,"textFormat":25},[414],{"mode":33,"text":415,"type":35,"style":24,"detail":25,"format":25,"version":26},"Not necessarily. Each product addresses a different risk, so the right mix depends on your circumstances, priorities, existing cover and budget. An adviser can help identify the most important gaps and explain how the policies can work together.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":417,"direction":8},[418],{"mode":33,"text":419,"type":35,"style":24,"detail":25,"format":25,"version":26},"When should I review my protection?",{"type":38,"format":24,"indent":25,"version":26,"children":421,"direction":36,"textStyle":24,"textFormat":25},[422],{"mode":33,"text":423,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review your cover when you buy a home, get married, have a child, change jobs, take on additional borrowing or experience a significant change in income. Applying earlier may also provide more options, as eligibility and pricing can be affected by age, health, occupation and lifestyle.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":425,"direction":8},[426],{"mode":33,"text":427,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not leave your family’s financial security to chance",{"type":38,"format":24,"indent":25,"version":26,"children":429,"direction":36,"textStyle":24,"textFormat":26},[430,432],{"mode":33,"text":431,"type":35,"style":24,"detail":25,"format":26,"version":26},"Book your protection review today.",{"mode":33,"text":433,"type":35,"style":24,"detail":25,"format":25,"version":26}," A conversation with an Indigo Protection adviser can help you understand the risks, prioritise the right cover and take a practical step towards protecting your family’s financial future.",{"type":38,"format":24,"indent":25,"version":26,"children":435,"direction":36,"textStyle":24,"textFormat":16},[436],{"mode":33,"text":437,"type":35,"style":24,"detail":25,"format":16,"version":26},"Important information: Cover is subject to eligibility, underwriting, policy terms, conditions, exclusions and definitions. Benefits and tax treatment may depend on individual circumstances and may change. ",{"type":38,"format":24,"indent":25,"version":26,"children":439,"direction":8,"textStyle":24,"textFormat":25},[],{"title":441,"description":164,"image":8},"Family Protection Guide | Indigo Investment Group","2026-10-23T09:20:17.871Z","2026-10-03T22:31:46.515Z",{"id":445,"title":446,"generateSlug":6,"url_title":447,"sortOrder":16,"type":144,"parent":448,"page_heading":446,"intro":459,"image":460,"content":468,"seo":586,"updatedAt":588,"createdAt":589},58,"Regular Savings for a More Secure Future","regular-savings-for-a-more-secure-future",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":449,"seo":458,"updatedAt":163,"createdAt":163},{"root":450},{"type":23,"format":24,"indent":25,"version":26,"children":451,"direction":36},[452,455],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":453,"direction":36},[454],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":456,"direction":36,"textStyle":24,"textFormat":25},[457],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"Why regular saving matters, how to build the habit, and practical ways to put money aside for a more secure future.",{"id":122,"alt":461,"_objectKey":8,"updatedAt":462,"createdAt":463,"url":464,"thumbnailURL":8,"filename":465,"mimeType":171,"filesize":466,"width":467,"height":173,"focalX":175,"focalY":175},"Regular Savings Guide","2026-11-02T23:20:46.804Z","2026-10-03T23:04:59.050Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fregular-savings.jpg","regular-savings.jpg",202311,1536,{"root":469},{"type":23,"format":24,"indent":25,"version":26,"children":470,"direction":8},[471,474,478,482,486,518,522,526,530,534,538,570,574,578,584],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":472,"direction":8},[473],{"mode":33,"text":446,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":475,"direction":36,"textStyle":24,"textFormat":26},[476],{"mode":33,"text":477,"type":35,"style":24,"detail":25,"format":26,"version":26},"Build financial resilience, prepare for important milestones and give your money more time to grow.",{"type":38,"format":24,"indent":25,"version":26,"children":479,"direction":36,"textStyle":24,"textFormat":25},[480],{"mode":33,"text":481,"type":35,"style":24,"detail":25,"format":25,"version":26},"Saving regularly is one of the most effective ways to turn medium- and long-term ambitions into achievable financial goals. By setting aside an affordable amount each month, you can build valuable capital gradually, reduce your reliance on borrowing and approach future decisions with greater confidence and choice.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":483,"direction":8},[484],{"mode":33,"text":485,"type":35,"style":24,"detail":25,"format":25,"version":26},"What Are You Saving For?",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":487,"listType":128,"direction":8,"textFormat":26},[488,494,500,506,512],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":489,"direction":36},[490,492],{"mode":33,"text":491,"type":35,"style":24,"detail":25,"format":26,"version":26},"Children’s education:",{"mode":33,"text":493,"type":35,"style":24,"detail":25,"format":25,"version":26}," Build a dedicated fund for school, college, accommodation or other education costs, helping to ease the financial pressure when those expenses arise.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":495,"direction":36},[496,498],{"mode":33,"text":497,"type":35,"style":24,"detail":25,"format":26,"version":26},"Your future plans:",{"mode":33,"text":499,"type":35,"style":24,"detail":25,"format":25,"version":26}," Save towards a home improvement project, a significant purchase, travel, a career break or another personal milestone that matters to you.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":501,"direction":36},[502,504],{"mode":33,"text":503,"type":35,"style":24,"detail":25,"format":26,"version":26},"Long-term financial independence:",{"mode":33,"text":505,"type":35,"style":24,"detail":25,"format":25,"version":26}," Accumulate capital that can complement your pension and wider financial plan, giving you greater flexibility in later life.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":507,"direction":36},[508,510],{"mode":33,"text":509,"type":35,"style":24,"detail":25,"format":26,"version":26},"An emergency fund:",{"mode":33,"text":511,"type":35,"style":24,"detail":25,"format":25,"version":26}," Create a readily accessible reserve for unexpected costs such as urgent home repairs, medical expenses, a temporary reduction in income or other unforeseen events.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":513,"direction":36},[514,516],{"mode":33,"text":515,"type":35,"style":24,"detail":25,"format":26,"version":26},"Future opportunities:",{"mode":33,"text":517,"type":35,"style":24,"detail":25,"format":25,"version":26}," Maintain a pool of capital so that you are better placed to act when an important family, personal or financial opportunity arises.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":519,"direction":36},[520],{"mode":33,"text":521,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why a Five-Year-Plus Time Horizon Matters",{"type":38,"format":24,"indent":25,"version":26,"children":523,"direction":36,"textStyle":24,"textFormat":25},[524],{"mode":33,"text":525,"type":35,"style":24,"detail":25,"format":25,"version":26},"For goals that are at least five years away, a carefully selected savings or investment strategy may provide greater growth potential than leaving all of your money on deposit. A longer time horizon gives your plan more opportunity to benefit from growth and more time to recover from periods of short-term market volatility. The right approach will depend on your goals, the access you may need to your money, your capacity for loss and your attitude to investment risk.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":527,"direction":8},[528],{"mode":33,"text":529,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Power of Compound Growth",{"type":38,"format":24,"indent":25,"version":26,"children":531,"direction":36,"textStyle":24,"textFormat":25},[532],{"mode":33,"text":533,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compound growth means that any returns generated may themselves have the opportunity to generate further returns over time. Regular contributions can therefore benefit not only from the amount you save, but also from the cumulative effect of potential growth. The earlier you begin and the longer you remain invested, the more meaningful this effect may become. Investment returns are not guaranteed, however, and the value of investments can fall as well as rise.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":535,"direction":8},[536],{"mode":33,"text":537,"type":35,"style":24,"detail":25,"format":25,"version":26},"Making Regular Saving Work for You",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":539,"listType":128,"direction":8,"textFormat":26},[540,546,552,558,564],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":541,"direction":36},[542,544],{"mode":33,"text":543,"type":35,"style":24,"detail":25,"format":26,"version":26},"Start with a clear purpose:",{"mode":33,"text":545,"type":35,"style":24,"detail":25,"format":25,"version":26}," Define the goal, target amount and anticipated timeframe.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":547,"direction":36},[548,550],{"mode":33,"text":549,"type":35,"style":24,"detail":25,"format":26,"version":26},"Choose a sustainable contribution:",{"mode":33,"text":551,"type":35,"style":24,"detail":25,"format":25,"version":26}," Save an amount that fits comfortably within your monthly cash flow and review it as your circumstances change.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":553,"direction":36},[554,556],{"mode":33,"text":555,"type":35,"style":24,"detail":25,"format":26,"version":26},"Automate the habit:",{"mode":33,"text":557,"type":35,"style":24,"detail":25,"format":25,"version":26}," A regular monthly contribution can make saving consistent and reduce the temptation to postpone it.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":559,"direction":36},[560,562],{"mode":33,"text":561,"type":35,"style":24,"detail":25,"format":26,"version":26},"Match the strategy to the goal:",{"mode":33,"text":563,"type":35,"style":24,"detail":25,"format":25,"version":26}," Keep emergency reserves accessible, while considering an appropriate longer-term approach for money you are unlikely to need for five years or more.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":565,"direction":36},[566,568],{"mode":33,"text":567,"type":35,"style":24,"detail":25,"format":26,"version":26},"Review your progress:",{"mode":33,"text":569,"type":35,"style":24,"detail":25,"format":25,"version":26}," Revisit your plan regularly to reflect changes in income, family circumstances, inflation, timescale and priorities.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":571,"direction":8},[572],{"mode":33,"text":573,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why Speak to an Indigo Savings Adviser?",{"type":38,"format":24,"indent":25,"version":26,"children":575,"direction":36,"textStyle":24,"textFormat":25},[576],{"mode":33,"text":577,"type":35,"style":24,"detail":25,"format":25,"version":26},"At Indigo Investment Group, we offer a gold standard of professional advice. An Indigo Savings Adviser will take time to understand your goals, existing arrangements, financial circumstances, access requirements and attitude to risk before recommending a suitable strategy. We can help you establish the right balance between accessible emergency savings and medium- to long-term solutions, select an appropriate contribution level, and keep your plan under regular review as your life evolves.",{"type":38,"format":24,"indent":25,"version":26,"children":579,"direction":36,"textStyle":24,"textFormat":26},[580,582],{"mode":33,"text":581,"type":35,"style":24,"detail":25,"format":26,"version":26},"Start building towards your future today.",{"mode":33,"text":583,"type":35,"style":24,"detail":25,"format":25,"version":26}," Speak to an Indigo Savings Adviser to create a regular savings plan designed around what matters most to you.",{"type":38,"format":24,"indent":25,"version":26,"children":585,"direction":8,"textStyle":24,"textFormat":25},[],{"title":587,"description":459,"image":8},"Regular Savings for a More Secure Future | Indigo Investment Group","2026-10-23T09:25:50.718Z","2026-10-03T22:31:47.070Z",{"id":591,"title":592,"generateSlug":6,"url_title":593,"sortOrder":11,"type":144,"parent":594,"page_heading":592,"intro":605,"image":606,"content":614,"seo":780,"updatedAt":782,"createdAt":783},55,"Indigo Private Clients","indigo-private-clients",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":595,"seo":604,"updatedAt":163,"createdAt":163},{"root":596},{"type":23,"format":24,"indent":25,"version":26,"children":597,"direction":36},[598,601],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":599,"direction":36},[600],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":602,"direction":36,"textStyle":24,"textFormat":25},[603],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"An introduction to Indigo Private Clients - tailored wealth advice for individuals and families with more complex financial needs.",{"id":607,"alt":608,"_objectKey":8,"updatedAt":609,"createdAt":610,"url":611,"thumbnailURL":8,"filename":612,"mimeType":171,"filesize":613,"width":467,"height":173,"focalX":175,"focalY":175},7,"Private Clients Guide","2026-11-02T23:20:48.310Z","2026-10-03T23:06:55.950Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fprivate-clients.jpg","private-clients.jpg",210099,{"root":615},{"type":23,"format":24,"indent":25,"version":26,"children":616,"direction":8},[617,621,625,629,633,637,641,680,684,688,726,730,768,772,776],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":618,"direction":8},[619],{"mode":33,"text":620,"type":35,"style":24,"detail":25,"format":25,"version":26},"One trusted relationship. A complete view of your financial life.",{"type":38,"format":24,"indent":25,"version":26,"children":622,"direction":36,"textStyle":24,"textFormat":25},[623],{"mode":33,"text":624,"type":35,"style":24,"detail":25,"format":25,"version":26},"Managing significant wealth can involve complex decisions across investments, protection, retirement, business interests and family priorities. Indigo Private Clients brings these considerations together in one clear, coordinated financial strategy.",{"type":38,"format":24,"indent":25,"version":26,"children":626,"direction":36,"textStyle":24,"textFormat":25},[627],{"mode":33,"text":628,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our discreet, highly personalised service is designed for clients who value clarity, continuity and informed decision-making. We take the time to understand your circumstances, organise the detail and provide practical guidance aligned with your long-term ambitions.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":630,"direction":8},[631],{"mode":33,"text":632,"type":35,"style":24,"detail":25,"format":25,"version":26},"A Complimentary Financial Plan, Valued at €4,950",{"type":38,"format":24,"indent":25,"version":26,"children":634,"direction":36,"textStyle":24,"textFormat":25},[635],{"mode":33,"text":636,"type":35,"style":24,"detail":25,"format":25,"version":26},"Every private client receives a comprehensive cash-flow modelling financial plan at no additional cost. It provides a clear view of your current position, tests the impact of important decisions and helps map a practical route towards your goals. Your plan is reviewed and updated every six months so it continues to reflect changes in your life, career, business and priorities.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":638,"direction":8},[639],{"mode":33,"text":640,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Benefits of Indigo Private Clients",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":642,"listType":128,"direction":8,"textFormat":26},[643,649,655,661,667,673],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":644,"direction":36},[645,647],{"mode":33,"text":646,"type":35,"style":24,"detail":25,"format":26,"version":26},"Clarity and control:",{"mode":33,"text":648,"type":35,"style":24,"detail":25,"format":25,"version":26}," Understand where you stand, what is achievable and which decisions matter most.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":650,"direction":36},[651,653],{"mode":33,"text":652,"type":35,"style":24,"detail":25,"format":26,"version":26},"A coordinated strategy:",{"mode":33,"text":654,"type":35,"style":24,"detail":25,"format":25,"version":26}," Bring investments, protection, retirement, business interests and family priorities into one coherent plan.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":656,"direction":36},[657,659],{"mode":33,"text":658,"type":35,"style":24,"detail":25,"format":26,"version":26},"Personalised guidance:",{"mode":33,"text":660,"type":35,"style":24,"detail":25,"format":25,"version":26}," Receive advice shaped around your circumstances, responsibilities and ambitions.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":662,"direction":36},[663,665],{"mode":33,"text":664,"type":35,"style":24,"detail":25,"format":26,"version":26},"Ongoing oversight:",{"mode":33,"text":666,"type":35,"style":24,"detail":25,"format":25,"version":26}," Keep your plan relevant through structured six-month reviews and updates.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":668,"direction":36},[669,671],{"mode":33,"text":670,"type":35,"style":24,"detail":25,"format":26,"version":26},"More confident decisions:",{"mode":33,"text":672,"type":35,"style":24,"detail":25,"format":25,"version":26}," Use detailed cash-flow modelling to assess choices before you act.",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":675,"direction":36},6,[676,678],{"mode":33,"text":677,"type":35,"style":24,"detail":25,"format":26,"version":26},"A discreet, long-term relationship:",{"mode":33,"text":679,"type":35,"style":24,"detail":25,"format":25,"version":26}," Work with a trusted adviser who understands the complete picture.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":681,"direction":8},[682],{"mode":33,"text":683,"type":35,"style":24,"detail":25,"format":25,"version":26},"Who This Service Is For",{"type":38,"format":24,"indent":25,"version":26,"children":685,"direction":36,"textStyle":24,"textFormat":25},[686],{"mode":33,"text":687,"type":35,"style":24,"detail":25,"format":25,"version":26},"Indigo Private Clients is ideal for individuals and families with complex financial lives who want a clear strategy and a trusted long-term advisory relationship.",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":689,"listType":128,"direction":8,"textFormat":26},[690,696,702,708,714,720],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":691,"direction":36},[692,694],{"mode":33,"text":693,"type":35,"style":24,"detail":25,"format":26,"version":26},"CEOs, founders and senior executives",{"mode":33,"text":695,"type":35,"style":24,"detail":25,"format":25,"version":26}," managing remuneration, investments, protection and long-term financial independence.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":697,"direction":36},[698,700],{"mode":33,"text":699,"type":35,"style":24,"detail":25,"format":26,"version":26},"Partners ",{"mode":33,"text":701,"type":35,"style":24,"detail":25,"format":25,"version":26},"balancing variable income, professional commitments and future wealth objectives.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":703,"direction":36},[704,706],{"mode":33,"text":705,"type":35,"style":24,"detail":25,"format":26,"version":26},"Business owners and entrepreneurs",{"mode":33,"text":707,"type":35,"style":24,"detail":25,"format":25,"version":26}," planning for growth, succession, a business sale or another significant liquidity event.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":709,"direction":36},[710,712],{"mode":33,"text":711,"type":35,"style":24,"detail":25,"format":26,"version":26},"Medical consultants",{"mode":33,"text":713,"type":35,"style":24,"detail":25,"format":25,"version":26}," seeking structured planning around private practice income, investments, protection and retirement.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":715,"direction":36},[716,718],{"mode":33,"text":717,"type":35,"style":24,"detail":25,"format":26,"version":26},"Professional athletes",{"mode":33,"text":719,"type":35,"style":24,"detail":25,"format":25,"version":26}," managing variable earnings, career transitions and long-term financial security.",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":721,"direction":36},[722,724],{"mode":33,"text":723,"type":35,"style":24,"detail":25,"format":26,"version":26},"Wealthy families",{"mode":33,"text":725,"type":35,"style":24,"detail":25,"format":25,"version":26}," focused on preserving capital, protecting family members and transferring wealth responsibly across generations.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":727,"direction":8},[728],{"mode":33,"text":729,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our Private Client Planning Process",{"tag":369,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":731,"listType":395,"direction":8,"textFormat":26},[732,740,747,754,761],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":733,"direction":36},[734,736,738],{"mode":33,"text":735,"type":35,"style":24,"detail":25,"format":26,"version":26},"Discovery and Understanding",{"type":737,"version":26},"linebreak",{"mode":33,"text":739,"type":35,"style":24,"detail":25,"format":25,"version":26},"We begin with a confidential discovery meeting to understand your financial position, family circumstances, professional or business interests, priorities and long-term ambitions.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":741,"direction":36},[742,744,745],{"mode":33,"text":743,"type":35,"style":24,"detail":25,"format":26,"version":26},"Holistic Cash-Flow Modelling",{"type":737,"version":26},{"mode":33,"text":746,"type":35,"style":24,"detail":25,"format":25,"version":26},"We build a comprehensive financial plan that brings together your income, assets, liabilities, investments, protection and retirement objectives. Detailed cash-flow modelling helps illustrate where you stand today, what your future may look like and the effect of different decisions.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":748,"direction":36},[749,751,752],{"mode":33,"text":750,"type":35,"style":24,"detail":25,"format":26,"version":26},"Clear, Tailored Recommendations",{"type":737,"version":26},{"mode":33,"text":753,"type":35,"style":24,"detail":25,"format":25,"version":26},"We translate the analysis into a practical set of recommendations across financial planning, investment, protection and retirement. Where tax-efficient structures may be relevant, we identify planning considerations and coordinate with your qualified tax adviser before any action is taken.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":755,"direction":36},[756,758,759],{"mode":33,"text":757,"type":35,"style":24,"detail":25,"format":26,"version":26},"Implementation and Coordination",{"type":737,"version":26},{"mode":33,"text":760,"type":35,"style":24,"detail":25,"format":25,"version":26},"Once the strategy is agreed, we manage the implementation process, coordinate with your other professional advisers and keep each action aligned with the wider plan.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":762,"direction":36},[763,765,766],{"mode":33,"text":764,"type":35,"style":24,"detail":25,"format":26,"version":26},"Ongoing Review and Follow-Through",{"type":737,"version":26},{"mode":33,"text":767,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your financial plan is formally reviewed and updated every six months. We monitor progress, revisit assumptions and adapt the strategy as your circumstances, priorities and opportunities change.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":769,"direction":8},[770],{"mode":33,"text":771,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start with a Private Consultation",{"type":38,"format":24,"indent":25,"version":26,"children":773,"direction":36,"textStyle":24,"textFormat":25},[774],{"mode":33,"text":775,"type":35,"style":24,"detail":25,"format":25,"version":26},"Talk to Indigo Private Clients about bringing greater clarity, structure and confidence to your financial future.",{"type":38,"format":24,"indent":25,"version":26,"children":777,"direction":36,"textStyle":24,"textFormat":26},[778],{"mode":33,"text":779,"type":35,"style":24,"detail":25,"format":26,"version":26},"Arrange a Private Consultation",{"title":781,"description":605,"image":8},"Indigo Private Clients | Indigo Investment Group","2026-10-23T09:22:37.725Z","2026-10-03T22:31:46.277Z",{"id":785,"title":786,"generateSlug":6,"url_title":787,"sortOrder":115,"type":144,"parent":788,"page_heading":786,"intro":799,"image":800,"content":807,"seo":1139,"updatedAt":1141,"createdAt":1142},60,"How to Invest Your Money Guide","how-to-invest-your-money-guide",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":789,"seo":798,"updatedAt":163,"createdAt":163},{"root":790},{"type":23,"format":24,"indent":25,"version":26,"children":791,"direction":36},[792,795],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":793,"direction":36},[794],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":796,"direction":36,"textStyle":24,"textFormat":25},[797],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"A clear guide to investing your money - goals, risk, timescales and the building blocks of a thoughtful investment approach.",{"id":11,"alt":801,"_objectKey":8,"updatedAt":802,"createdAt":803,"url":804,"thumbnailURL":8,"filename":805,"mimeType":171,"filesize":806,"width":173,"height":174,"focalX":175,"focalY":175},"Investing Guide","2026-10-03T23:01:57.207Z","2026-10-03T23:01:56.803Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Finvesting.jpg","investing.jpg",158247,{"root":808},{"type":23,"format":24,"indent":25,"version":26,"children":809,"direction":8},[810,815,819,823,827,831,846,850,854,858,862,866,892,904,908,912,916,920,924,928,932,936,940,944,948,952,956,960,964,968,972,976,980,984,988,992,1004,1008,1012,1016,1020,1024,1028,1032,1036,1040,1050,1054,1058,1062,1074,1078,1082,1086,1090,1094,1098,1102,1106,1110,1114,1127,1131,1135],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":812,"direction":8},"start",[813],{"mode":33,"text":814,"type":35,"style":24,"detail":25,"format":25,"version":26},"Investment Planning for Irish Households",{"type":38,"format":811,"indent":25,"version":26,"children":816,"direction":8,"textStyle":24,"textFormat":26},[817],{"mode":33,"text":818,"type":35,"style":24,"detail":25,"format":26,"version":26},"Build towards the things you want to do",{"type":38,"format":811,"indent":25,"version":26,"children":820,"direction":8,"textStyle":24,"textFormat":25},[821],{"mode":33,"text":822,"type":35,"style":24,"detail":25,"format":25,"version":26},"What would you like your money to make possible? Perhaps you want the option to work less later in life, help with a child’s education or build wealth that gives your family more choices. Investing gives money set aside for longer-term goals the opportunity to grow.",{"type":38,"format":811,"indent":25,"version":26,"children":824,"direction":8,"textStyle":24,"textFormat":25},[825],{"mode":33,"text":826,"type":35,"style":24,"detail":25,"format":25,"version":26},"You can begin with a conversation, even if you’re still working out what you want to achieve. At Indigo Investment Group, we help you explore your options, understand how they work and choose an approach that fits your life.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":828,"direction":8},[829],{"mode":33,"text":830,"type":35,"style":24,"detail":25,"format":25,"version":26},"Saving and investing can work together",{"type":38,"format":811,"indent":25,"version":26,"children":832,"direction":8,"textStyle":24,"textFormat":25},[833,835,844],{"mode":33,"text":834,"type":35,"style":24,"detail":25,"format":25,"version":26},"Savings and investments can work together. Savings can give you ready access for near-term plans, while investing can give money you won’t need for longer a chance to grow. The balance can change as your plans take shape. ",{"id":836,"type":837,"fields":838,"format":24,"indent":25,"version":11,"children":841,"direction":8},"6aea4f7ad2db334a15313677","link",{"url":839,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.ccpc.ie\u002Fmanage-your-money\u002Fsaving-and-investments\u002Fthe-difference-between-saving-and-investing","custom",[842],{"mode":33,"text":843,"type":35,"style":24,"detail":25,"format":25,"version":26},"CCPC: Saving and investing",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},".",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":847,"direction":8},[848],{"mode":33,"text":849,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start with a goal that matters to you",{"type":38,"format":811,"indent":25,"version":26,"children":851,"direction":8,"textStyle":24,"textFormat":25},[852],{"mode":33,"text":853,"type":35,"style":24,"detail":25,"format":25,"version":26},"Imagine you’d like to help with college costs in several years’ time. An adviser can help you estimate what that might cost, explore what regular contributions could build under different assumptions, and plan how you’ll access the money as bills approach. If the figures change, you can revisit the amount, the timing or the way you invest.",{"type":38,"format":811,"indent":25,"version":26,"children":855,"direction":8,"textStyle":24,"textFormat":25},[856],{"mode":33,"text":857,"type":35,"style":24,"detail":25,"format":25,"version":26},"Some people build gradually with regular contributions. Others have a lump sum and want to understand whether to invest it at once or in stages. There’s no need to choose between those routes before seeking advice. What matters is finding a pace and an amount that feel sustainable for you.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":859,"direction":8},[860],{"mode":33,"text":861,"type":35,"style":24,"detail":25,"format":25,"version":26},"What an adviser can help you decide",{"type":38,"format":811,"indent":25,"version":26,"children":863,"direction":8,"textStyle":24,"textFormat":25},[864],{"mode":33,"text":865,"type":35,"style":24,"detail":25,"format":25,"version":26},"A good conversation starts with what you want to achieve, when you might need the money and how much uncertainty you can live with. From there, your adviser can explain the choices in plain language and show how each one would work in practice.",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":867,"listType":128,"direction":8},[868,874,880,886],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":869,"direction":8},[870,872],{"mode":33,"text":871,"type":35,"style":24,"detail":25,"format":26,"version":26},"How to invest:",{"mode":33,"text":873,"type":35,"style":24,"detail":25,"format":25,"version":26}," Compare arrangements such as a pension for retirement, an investment policy or a direct account. Each has different access, cost and tax implications.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":875,"direction":8},[876,878],{"mode":33,"text":877,"type":35,"style":24,"detail":25,"format":26,"version":26},"What to invest in:",{"mode":33,"text":879,"type":35,"style":24,"detail":25,"format":25,"version":26}," Understand the mix of assets, what could drive returns and how spreading investments can reduce dependence on any one company or market.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":881,"direction":8},[882,884],{"mode":33,"text":883,"type":35,"style":24,"detail":25,"format":26,"version":26},"What you’ll pay:",{"mode":33,"text":885,"type":35,"style":24,"detail":25,"format":25,"version":26}," Ask for total charges in euro and as a percentage, what service they cover and how Irish tax applies to the specific investment.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":887,"direction":8},[888,890],{"mode":33,"text":889,"type":35,"style":24,"detail":25,"format":26,"version":26},"How to stay on track:",{"mode":33,"text":891,"type":35,"style":24,"detail":25,"format":25,"version":26}," Agree what a review would cover, when it would happen and whether it’s included in the service.",{"type":38,"format":811,"indent":25,"version":26,"children":893,"direction":8,"textStyle":24,"textFormat":25},[894,896,903],{"mode":33,"text":895,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before deciding, you should be able to explain what you’re investing in, why it suits your goal and how you could get your money back. Ask questions until the answers make sense to you. ",{"id":897,"type":837,"fields":898,"format":24,"indent":25,"version":11,"children":900,"direction":8},"6aea4f7ad2db334a15313678",{"url":899,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.centralbank.ie\u002Fconsumer-hub\u002Finvesting-your-money-consumer-faq",[901],{"mode":33,"text":902,"type":35,"style":24,"detail":25,"format":25,"version":26},"Central Bank of Ireland: Investing your money",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":905,"direction":8},[906],{"mode":33,"text":907,"type":35,"style":24,"detail":25,"format":25,"version":26},"Build confidence as you go",{"type":38,"format":811,"indent":25,"version":26,"children":909,"direction":8,"textStyle":24,"textFormat":25},[910],{"mode":33,"text":911,"type":35,"style":24,"detail":25,"format":25,"version":26},"Investment values will move. Discussing what a fall might mean in euro terms can help you choose a level of risk you can live with. Spreading your investments can help manage some risks, though it cannot prevent losses.",{"type":38,"format":811,"indent":25,"version":26,"children":913,"direction":8,"textStyle":24,"textFormat":25},[914],{"mode":33,"text":915,"type":35,"style":24,"detail":25,"format":25,"version":26},"You don’t need to follow every market headline. It’s more useful to check whether your investments still serve the purpose you chose for them. A new job, a change in family circumstances or a goal getting closer may matter more to your plan than a week of market news.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":917,"direction":8},[918],{"mode":33,"text":919,"type":35,"style":24,"detail":25,"format":25,"version":26},"How investing helps build wealth",{"type":38,"format":811,"indent":25,"version":26,"children":921,"direction":8,"textStyle":24,"textFormat":25},[922],{"mode":33,"text":923,"type":35,"style":24,"detail":25,"format":25,"version":26},"Building wealth is the process of turning some of what you earn today into resources you can use tomorrow. Regular saving is part of that process. Investing adds another possibility: the money you set aside can earn a return through income, such as dividends or interest, and through increases in the value of what you own. Over a long period, those returns can make a meaningful contribution alongside the money you put in yourself.",{"type":38,"format":811,"indent":25,"version":26,"children":925,"direction":8,"textStyle":24,"textFormat":25},[926],{"mode":33,"text":927,"type":35,"style":24,"detail":25,"format":25,"version":26},"Time matters because the benefits don’t have to come from one big decision. If you reinvest the income an investment generates, it becomes part of the amount that can earn future returns. Contributions you make along the way can also build on what you’ve already set aside. There will be periods when values fall, and there is no guarantee that gains will follow a particular schedule. The opportunity comes from giving a suitable investment time to do its job.",{"type":38,"format":811,"indent":25,"version":26,"children":929,"direction":8,"textStyle":24,"textFormat":25},[930],{"mode":33,"text":931,"type":35,"style":24,"detail":25,"format":25,"version":26},"Investing can also play a role in protecting your future spending power. If prices rise over the years, a sum that feels substantial today may buy less when you come to use it. Cash can still be the right choice for money you want readily available. For longer-term goals, investing offers a chance to grow faster than prices, though it may not do so. Your adviser can help you think about the difference between a larger balance on a statement and what that balance may actually buy.",{"type":38,"format":811,"indent":25,"version":26,"children":933,"direction":8,"textStyle":24,"textFormat":25},[934],{"mode":33,"text":935,"type":35,"style":24,"detail":25,"format":25,"version":26},"The aim is to build wealth you can use. That might mean having more freedom to change careers, making retirement less dependent on a single income source or giving your children a helping hand. Defining what greater financial flexibility would mean to you makes it easier to decide how much of your money should be working towards it.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":937,"direction":8},[938],{"mode":33,"text":939,"type":35,"style":24,"detail":25,"format":25,"version":26},"Put investing in the context of your whole financial plan",{"type":38,"format":811,"indent":25,"version":26,"children":941,"direction":8,"textStyle":24,"textFormat":25},[942],{"mode":33,"text":943,"type":35,"style":24,"detail":25,"format":25,"version":26},"A financial plan connects today’s decisions with tomorrow’s options. It looks at income, spending, borrowing, pensions, savings and property together. Investing is one of the ways the plan can support growth; other parts of the plan give you access to money, cover commitments and help you deal with changes along the way.",{"type":38,"format":811,"indent":25,"version":26,"children":945,"direction":8,"textStyle":24,"textFormat":25},[946],{"mode":33,"text":947,"type":35,"style":24,"detail":25,"format":25,"version":26},"Think about a household with three goals: keeping money available for home improvements, helping a child through college and having the option to reduce work before retirement. Those goals may all be important, but the money for each has a different job. The renovation budget needs to be available when the builder is due to start. Education spending may be spread across several years. The retirement goal may stretch decades into the future. A plan can give each goal its own funding approach without making your finances unnecessarily complicated.",{"type":38,"format":811,"indent":25,"version":26,"children":949,"direction":8,"textStyle":24,"textFormat":25},[950],{"mode":33,"text":951,"type":35,"style":24,"detail":25,"format":25,"version":26},"An adviser can help you see where goals compete and where one decision supports another. For example, if you want to reduce your hours before you can access your pension, a pension contribution may strengthen later retirement income while savings or investments outside the pension could help fund the years in between. Looking only at the pension balance would miss that earlier need. Looking only at accessible money would miss what the pension can do later.",{"type":38,"format":811,"indent":25,"version":26,"children":953,"direction":8,"textStyle":24,"textFormat":25},[954],{"mode":33,"text":955,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your home, a rental property or a business may already represent a large part of your wealth. Those assets can contribute to the plan, but their value isn’t always available to spend. A rental property may produce income alongside expenses. A business sale may take longer than planned. Investments held separately can give you another source of future resources and reduce your reliance on one asset or one outcome. The right balance depends on your circumstances.",{"type":38,"format":811,"indent":25,"version":26,"children":957,"direction":8,"textStyle":24,"textFormat":25},[958],{"mode":33,"text":959,"type":35,"style":24,"detail":25,"format":25,"version":26},"There’s no need to arrive at the first meeting with all these questions answered. Your adviser can help you work through them in an order that makes sense, starting with what you’d most like to achieve. Sometimes the first useful result is seeing which goal your existing pension or savings already support, so you can direct new money towards something else.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":961,"direction":8},[962],{"mode":33,"text":963,"type":35,"style":24,"detail":25,"format":25,"version":26},"Build a habit that can grow with you",{"type":38,"format":811,"indent":25,"version":26,"children":965,"direction":8,"textStyle":24,"textFormat":25},[966],{"mode":33,"text":967,"type":35,"style":24,"detail":25,"format":25,"version":26},"Regular contributions give investing a place in your routine. They can be useful when you’re building wealth from income rather than starting with a large sum. A contribution that feels manageable today can be reviewed as your income and commitments change. The amount you start with needn’t be the amount you contribute for the next twenty years.",{"type":38,"format":811,"indent":25,"version":26,"children":969,"direction":8,"textStyle":24,"textFormat":25},[970],{"mode":33,"text":971,"type":35,"style":24,"detail":25,"format":25,"version":26},"For example, a household might begin with a monthly contribution towards a long-term goal and revisit it when childcare costs change or a loan is repaid. That gives the plan a natural point for review, without assuming that every future increase in income should go into investments. Equally, if your circumstances change, you can ask what flexibility the arrangement offers before you need to use it.",{"type":38,"format":811,"indent":25,"version":26,"children":973,"direction":8,"textStyle":24,"textFormat":25},[974],{"mode":33,"text":975,"type":35,"style":24,"detail":25,"format":25,"version":26},"A lump sum raises different questions. You might receive an inheritance, sell a business or accumulate cash over several years. Your adviser can help you decide what portion has a long-term purpose, compare investing it at once or over time, and explain how each approach affects your exposure to market movements. Neither approach guarantees a better result. A clear plan for the money is more useful than trying to guess the perfect day to invest.",{"type":38,"format":811,"indent":25,"version":26,"children":977,"direction":8,"textStyle":24,"textFormat":25},[978],{"mode":33,"text":979,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before setting up a contribution, ask how it can be increased, reduced or paused and whether there are minimum amounts or charges. Those details help you choose something that fits the way your household actually manages money. They are part of making a good decision together, not a list of things you must solve before asking for help.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":981,"direction":8},[982],{"mode":33,"text":983,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understand what you own and why you own it",{"type":38,"format":811,"indent":25,"version":26,"children":985,"direction":8,"textStyle":24,"textFormat":25},[986],{"mode":33,"text":987,"type":35,"style":24,"detail":25,"format":25,"version":26},"A portfolio is the collection of investments you hold. The mix matters because different investments contribute in different ways. Shares give you a stake in businesses and exposure to their growth and profits. Bonds are generally loans to governments or companies and may provide income, although prices can fall and borrowers may fail to repay. A fund can bring many holdings together so you don’t have to choose each one yourself.",{"type":38,"format":811,"indent":25,"version":26,"children":989,"direction":8,"textStyle":24,"textFormat":25},[990],{"mode":33,"text":991,"type":35,"style":24,"detail":25,"format":25,"version":26},"Diversification means spreading exposure so that a single business, market or investment isn’t responsible for the whole outcome. It is worth looking across everything you already hold, including pensions. Several funds can own many of the same companies, and a household whose income and property are tied to the same sector may already have more exposure to it than expected.",{"type":38,"format":811,"indent":25,"version":26,"children":993,"direction":8,"textStyle":24,"textFormat":25},[994,996,1003],{"mode":33,"text":995,"type":35,"style":24,"detail":25,"format":25,"version":26},"An adviser can explain what each part of the proposed mix is there to do. Some holdings might aim for longer-term growth; others might provide income or help manage swings in value. There are no perfect combinations, and assets can fall together. A useful portfolio is one you understand and can see a reason to hold, even when another investment is attracting more attention. ",{"id":997,"type":837,"fields":998,"format":24,"indent":25,"version":11,"children":1000,"direction":8},"6aea4f7ad2db334a15313679",{"url":999,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.ccpc.ie\u002Fmanage-your-money\u002Fsaving-and-investments\u002Ftypes-of-investment",[1001],{"mode":33,"text":1002,"type":35,"style":24,"detail":25,"format":25,"version":26},"CCPC: Types of investment",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1005,"direction":8},[1006],{"mode":33,"text":1007,"type":35,"style":24,"detail":25,"format":25,"version":26},"Choose how to hold your investments",{"type":38,"format":811,"indent":25,"version":26,"children":1009,"direction":8,"textStyle":24,"textFormat":25},[1010],{"mode":33,"text":1011,"type":35,"style":24,"detail":25,"format":25,"version":26},"There are two decisions: what you invest in and how you hold it. Similar underlying investments may be available through a pension, an investment policy or a direct investment account. Those arrangements can differ in when you can access your money, how charges are applied and how tax is handled. The same fund name doesn’t tell you the whole story.",{"type":38,"format":811,"indent":25,"version":26,"children":1013,"direction":8,"textStyle":24,"textFormat":25},[1014],{"mode":33,"text":1015,"type":35,"style":24,"detail":25,"format":25,"version":26},"A pension is designed for retirement and may offer tax advantages subject to the relevant rules. Access is generally restricted until the applicable conditions are met. That can make it useful for retirement provision while leaving a separate role for money you want to access earlier. If you already have a workplace pension, understanding what it holds and what it is expected to provide is a useful starting point.",{"type":38,"format":811,"indent":25,"version":26,"children":1017,"direction":8,"textStyle":24,"textFormat":25},[1018],{"mode":33,"text":1019,"type":35,"style":24,"detail":25,"format":25,"version":26},"For money outside a pension, ask how the exact investment is taxed in Ireland. Shares, funds and life assurance investment policies can fall under different regimes. A product label alone may not settle the question. With some investments, a tax liability can arise even without a sale, so it’s worth knowing when tax might be due, who handles it and what records to keep. Ask your adviser to explain the expected treatment and whether you need separate tax advice.",{"type":38,"format":811,"indent":25,"version":26,"children":1021,"direction":8,"textStyle":24,"textFormat":25},[1022],{"mode":33,"text":1023,"type":35,"style":24,"detail":25,"format":25,"version":26},"Charges matter because they affect how much of the return you keep. Ask for a clear account of advice charges, platform or policy costs, investment management fees and any dealing or exit charges. Ask what you get in return, including whether reviews are part of the agreement. Comparing the overall arrangement makes it easier to judge whether it offers value for the goal you have in mind.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1025,"direction":8},[1026],{"mode":33,"text":1027,"type":35,"style":24,"detail":25,"format":25,"version":26},"Use advice to turn possibilities into a plan",{"type":38,"format":811,"indent":25,"version":26,"children":1029,"direction":8,"textStyle":24,"textFormat":25},[1030],{"mode":33,"text":1031,"type":35,"style":24,"detail":25,"format":25,"version":26},"The value of advice is often in the questions that come before a recommendation. What would make a difference to your family? How soon might you need the money? What do you already have in place that could help? Your answers give the adviser a basis for explaining which options could fit and why. You don’t need to know the names of funds or have a target return in mind.",{"type":38,"format":811,"indent":25,"version":26,"children":1033,"direction":8,"textStyle":24,"textFormat":25},[1034],{"mode":33,"text":1035,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask to see how different choices could affect your goals. A projection can help you compare increasing a monthly contribution with giving the goal more time, or see how fees and inflation affect the result. Looking at a range of outcomes is more useful than relying on one promising figure. The numbers are estimates, but the discussion can help you decide which parts of your plan are flexible and which matter most.",{"type":38,"format":811,"indent":25,"version":26,"children":1037,"direction":8,"textStyle":24,"textFormat":25},[1038],{"mode":33,"text":1039,"type":35,"style":24,"detail":25,"format":25,"version":26},"If an investment is recommended, ask your adviser to explain why it fits, what alternatives were considered and what might make you change course. Discuss the amount you could comfortably commit, how the investment could behave in a difficult market and what would happen if you needed access sooner. Understanding those trade-offs is part of building confidence, not a reason to put the conversation off.",{"type":38,"format":811,"indent":25,"version":26,"children":1041,"direction":8,"textStyle":24,"textFormat":25},[1042,1044,1049],{"mode":33,"text":1043,"type":35,"style":24,"detail":25,"format":25,"version":26},"You can also ask what the firm is authorised to do, who holds your investments and what support is available after you start. Check the adviser and provider on the relevant official register. Regulated advice and investor protections are important, but they do not remove the possibility of market losses. ",{"id":1045,"type":837,"fields":1046,"format":24,"indent":25,"version":11,"children":1047,"direction":8},"6aea4f7ad2db334a1531367a",{"url":899,"newTab":6,"linkType":840},[1048],{"mode":33,"text":902,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1051,"direction":8},[1052],{"mode":33,"text":1053,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep the plan useful as your life changes",{"type":38,"format":811,"indent":25,"version":26,"children":1055,"direction":8,"textStyle":24,"textFormat":25},[1056],{"mode":33,"text":1057,"type":35,"style":24,"detail":25,"format":25,"version":26},"When markets are rising, it’s easy to wonder whether you should be investing more. When they fall, it’s natural to wonder whether you should stop. A plan gives you a better question to ask: has anything changed about what you need this money to do? The answer can help you distinguish a decision worth making from a reaction to a headline.",{"type":38,"format":811,"indent":25,"version":26,"children":1059,"direction":8,"textStyle":24,"textFormat":25},[1060],{"mode":33,"text":1061,"type":35,"style":24,"detail":25,"format":25,"version":26},"Reviewing the plan might mean checking whether your investment mix still fits, revisiting an education budget or setting aside money for a withdrawal that is getting closer. It might also mean leaving the investments as they are. An adviser can help put performance in context, including what you’ve contributed or withdrawn, the costs you’ve paid and whether your progress is consistent with a realistic range of outcomes.",{"type":38,"format":811,"indent":25,"version":26,"children":1063,"direction":8,"textStyle":24,"textFormat":25},[1064,1066,1073],{"mode":33,"text":1065,"type":35,"style":24,"detail":25,"format":25,"version":26},"Some goals change altogether. You might decide to retire gradually, help a family member earlier than expected or keep an investment for longer. Agree when to review progress and which changes should prompt an earlier conversation. The point of building wealth is to give you more choices; the plan should be able to adapt when those choices become clearer. ",{"id":1067,"type":837,"fields":1068,"format":24,"indent":25,"version":11,"children":1070,"direction":8},"6aea4f7ad2db334a1531367b",{"url":1069,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.ccpc.ie\u002Fmanage-your-money\u002Fsaving-and-investments\u002Ftypes-of-investment\u002Fafter-you-invest",[1071],{"mode":33,"text":1072,"type":35,"style":24,"detail":25,"format":25,"version":26},"CCPC: Reviewing your investments",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1075,"direction":8},[1076],{"mode":33,"text":1077,"type":35,"style":24,"detail":25,"format":25,"version":26},"What a joined-up plan can look like",{"type":38,"format":811,"indent":25,"version":26,"children":1079,"direction":8,"textStyle":24,"textFormat":25},[1080],{"mode":33,"text":1081,"type":35,"style":24,"detail":25,"format":25,"version":26},"Imagine a couple in their forties who want to help their children through college and have the option to work less in their early sixties. They already contribute to workplace pensions and hold savings that have built up over several years. They’re interested in investing but unsure whether to add more to their pensions or start an investment separately.",{"type":38,"format":811,"indent":25,"version":26,"children":1083,"direction":8,"textStyle":24,"textFormat":25},[1084],{"mode":33,"text":1085,"type":35,"style":24,"detail":25,"format":25,"version":26},"Their adviser starts by exploring the dates. College bills could begin well before either parent wants to reduce working hours. Pension benefits may start later still. Mapping those dates shows why an arrangement that suits one goal may be less useful for another. They can set aside money for the first education costs, explore whether a portion of their savings could support later goals and look at what their existing pensions may provide.",{"type":38,"format":811,"indent":25,"version":26,"children":1087,"direction":8,"textStyle":24,"textFormat":25},[1088],{"mode":33,"text":1089,"type":35,"style":24,"detail":25,"format":25,"version":26},"Next, they look at the household’s income and commitments. They discuss how a regular contribution could fit now and what might change after the children leave school. They also consider a less favourable scenario: education costs are higher than expected, or investments fall just as the first fees are due. This helps them decide which costs need more certainty and where they can accept uncertainty in exchange for growth potential.",{"type":38,"format":811,"indent":25,"version":26,"children":1091,"direction":8,"textStyle":24,"textFormat":25},[1092],{"mode":33,"text":1093,"type":35,"style":24,"detail":25,"format":25,"version":26},"The outcome doesn’t have to be three new products. They might use savings already earmarked for upcoming bills, keep contributing to their workplace pensions and agree a separate investment approach for a goal further away. What matters is that they know which money supports which goal and when to revisit the decision. This fictional example illustrates the planning process; it is not a recommendation.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1095,"direction":8},[1096],{"mode":33,"text":1097,"type":35,"style":24,"detail":25,"format":25,"version":26},"What to take away from your first conversation",{"type":38,"format":811,"indent":25,"version":26,"children":1099,"direction":8,"textStyle":24,"textFormat":25},[1100],{"mode":33,"text":1101,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask for the next steps in terms you can explain back: the goal you’re working towards, what you plan to contribute, where the money would be held and how you’ll assess progress. If you’re comparing options, ask which differences matter most for your circumstances. A short written record can make the decision easier to revisit later.",{"type":38,"format":811,"indent":25,"version":26,"children":1103,"direction":8,"textStyle":24,"textFormat":25},[1104],{"mode":33,"text":1105,"type":35,"style":24,"detail":25,"format":25,"version":26},"You can leave the conversation with a useful plan even if you don’t invest straight away. Perhaps you’ll first check what an older pension provides or clarify when you’ll need money for a family goal. Equally, if a suitable option is clear, you can discuss what starting would involve. Advice helps you move forward at a pace that fits the decision.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1107,"direction":8},[1108],{"mode":33,"text":1109,"type":35,"style":24,"detail":25,"format":25,"version":26},"Take the first step with Indigo Investment Group",{"type":38,"format":811,"indent":25,"version":26,"children":1111,"direction":8,"textStyle":24,"textFormat":25},[1112],{"mode":33,"text":1113,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether you’re starting with a monthly amount, considering a lump sum or reviewing investments you already hold, we can help you turn your ideas into a plan you understand. Bring one goal or one question you’d like to explore. We can start there.",{"type":38,"format":811,"indent":25,"version":26,"children":1115,"direction":8,"textStyle":24,"textFormat":25},[1116,1118,1125],{"mode":33,"text":1117,"type":35,"style":24,"detail":25,"format":25,"version":26},"Contact ",{"id":1119,"type":837,"fields":1120,"format":24,"indent":25,"version":11,"children":1122,"direction":8},"6aea4f7ad2db334a1531367c",{"url":1121,"newTab":6,"linkType":840},"data:,",[1123],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},"enquiries@iig.ie",{"mode":33,"text":1126,"type":35,"style":24,"detail":25,"format":25,"version":26}," to discuss tailored financial advice and the scope and cost of the support available.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":1128,"direction":8},[1129],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},"Important information",{"type":38,"format":811,"indent":25,"version":26,"children":1132,"direction":8,"textStyle":24,"textFormat":25},[1133],{"mode":33,"text":1134,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide is general information for readers in Ireland. It does not recommend a particular investment or provide personal financial or tax advice. Tax treatment depends on the investment and your circumstances and may change.",{"type":38,"format":811,"indent":25,"version":26,"children":1136,"direction":8,"textStyle":24,"textFormat":26},[1137],{"mode":33,"text":1138,"type":35,"style":24,"detail":25,"format":26,"version":26},"Warning: The value of your investment may go down as well as up. You may get back less than you invest.",{"title":1140,"description":799,"image":8},"How to Invest Your Money Guide | Indigo Investment Group","2026-11-03T21:18:06.750Z","2026-10-03T22:31:47.701Z",{"id":1144,"title":1145,"generateSlug":6,"url_title":1146,"sortOrder":122,"type":144,"parent":1147,"page_heading":1145,"intro":1158,"image":1159,"content":1166,"seo":1505,"updatedAt":1507,"createdAt":1508},57,"Financial Planning & Cash Flow Modelling","financial-planning-cash-flow-modelling",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":1148,"seo":1157,"updatedAt":163,"createdAt":163},{"root":1149},{"type":23,"format":24,"indent":25,"version":26,"children":1150,"direction":36},[1151,1154],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1152,"direction":36},[1153],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":1155,"direction":36,"textStyle":24,"textFormat":25},[1156],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"How financial planning and cash flow modelling work together to show where you are, where you want to be, and how to get there.",{"id":1160,"alt":1145,"_objectKey":8,"updatedAt":1161,"createdAt":1162,"url":1163,"thumbnailURL":8,"filename":1164,"mimeType":171,"filesize":1165,"width":467,"height":173,"focalX":175,"focalY":175},9,"2026-11-02T23:20:51.030Z","2026-10-03T23:36:03.477Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Ffinancial-planning-cash-flow-modelling.jpg","financial-planning-cash-flow-modelling.jpg",233860,{"root":1167},{"type":23,"format":24,"indent":25,"version":26,"children":1168,"direction":8},[1169,1172,1176,1180,1184,1188,1192,1196,1231,1235,1239,1243,1287,1291,1295,1299,1303,1307,1311,1315,1319,1323,1327,1331,1335,1339,1343,1347,1351,1355,1387,1391,1395,1399,1403,1407,1411,1415,1419,1423,1427,1431,1435,1439,1443,1447,1451,1455,1481,1485,1489,1495,1499,1503],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1170,"direction":8},[1171],{"mode":33,"text":1145,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":1173,"direction":36,"textStyle":24,"textFormat":26},[1174],{"mode":33,"text":1175,"type":35,"style":24,"detail":25,"format":26,"version":26},"Clarity for today. Confidence for tomorrow.",{"type":38,"format":24,"indent":25,"version":26,"children":1177,"direction":36,"textStyle":24,"textFormat":25},[1178],{"mode":33,"text":1179,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial planning is about making informed decisions with purpose. At Indigo Investment Group, we bring every part of your financial life together-your ambitions, income, assets, liabilities, pensions, investments, protection, tax considerations and estate plans-to create one clear, coordinated strategy. The result is not simply a collection of financial products. It is a practical roadmap designed around the life you want to lead.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1181,"direction":8},[1182],{"mode":33,"text":1183,"type":35,"style":24,"detail":25,"format":25,"version":26},"What Is Financial Planning?",{"type":38,"format":24,"indent":25,"version":26,"children":1185,"direction":36,"textStyle":24,"textFormat":25},[1186],{"mode":33,"text":1187,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial planning is a structured, ongoing process that helps you understand where you are today, define where you want to go and make better decisions about how to get there. It considers the whole picture rather than treating pensions, investments, insurance, borrowing and tax as separate conversations.",{"type":38,"format":24,"indent":25,"version":26,"children":1189,"direction":36,"textStyle":24,"textFormat":25},[1190],{"mode":33,"text":1191,"type":35,"style":24,"detail":25,"format":25,"version":26},"A well-constructed plan translates your priorities into measurable goals, tests whether your current path is sustainable and identifies the actions most likely to improve your position. It should also evolve as your career, family, business, health, legislation and financial markets change.",{"type":38,"format":24,"indent":25,"version":26,"children":1193,"direction":36,"textStyle":24,"textFormat":25},[1194],{"mode":33,"text":1195,"type":35,"style":24,"detail":25,"format":25,"version":26},"Depending on your circumstances, your plan may cover:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1197,"listType":128,"direction":8},[1198,1202,1206,1210,1214,1218,1222,1226],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1199,"direction":36},[1200],{"mode":33,"text":1201,"type":35,"style":24,"detail":25,"format":25,"version":26},"Cash flow, budgeting and financial organisation",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1203,"direction":36},[1204],{"mode":33,"text":1205,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement planning and pension strategy",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1207,"direction":36},[1208],{"mode":33,"text":1209,"type":35,"style":24,"detail":25,"format":25,"version":26},"Investment planning and portfolio structure",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1211,"direction":36},[1212],{"mode":33,"text":1213,"type":35,"style":24,"detail":25,"format":25,"version":26},"Life assurance, serious illness cover and income protection",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1215,"direction":36},[1216],{"mode":33,"text":1217,"type":35,"style":24,"detail":25,"format":25,"version":26},"Tax-efficient use of available allowances and structures",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":1219,"direction":36},[1220],{"mode":33,"text":1221,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage, debt and liquidity planning",{"type":96,"value":607,"format":24,"indent":25,"version":26,"children":1223,"direction":36},[1224],{"mode":33,"text":1225,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estate, succession and intergenerational planning",{"type":96,"value":1227,"format":24,"indent":25,"version":26,"children":1228,"direction":36},8,[1229],{"mode":33,"text":1230,"type":35,"style":24,"detail":25,"format":25,"version":26},"Planning for education, property, business or other major life goals",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1232,"direction":8},[1233],{"mode":33,"text":1234,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why Financial Planning Matters",{"type":38,"format":24,"indent":25,"version":26,"children":1236,"direction":36,"textStyle":24,"textFormat":25},[1237],{"mode":33,"text":1238,"type":35,"style":24,"detail":25,"format":25,"version":26},"Important financial decisions rarely happen in isolation. Increasing pension contributions may affect current cash flow. An investment decision may change your tax exposure or access to capital. A protection gap may put an otherwise strong long-term plan at risk. Financial planning connects those decisions and helps you understand the trade-offs before you act.",{"type":38,"format":24,"indent":25,"version":26,"children":1240,"direction":36,"textStyle":24,"textFormat":25},[1241],{"mode":33,"text":1242,"type":35,"style":24,"detail":25,"format":25,"version":26},"Working to a clear plan can help you:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1244,"listType":128,"direction":8,"textFormat":26},[1245,1251,1257,1263,1269,1275,1281],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1246,"direction":36},[1247,1249],{"mode":33,"text":1248,"type":35,"style":24,"detail":25,"format":26,"version":26},"Gain clarity:",{"mode":33,"text":1250,"type":35,"style":24,"detail":25,"format":25,"version":26}," See your full financial position in one place and understand what deserves attention first.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1252,"direction":36},[1253,1255],{"mode":33,"text":1254,"type":35,"style":24,"detail":25,"format":26,"version":26},"Make confident decisions:",{"mode":33,"text":1256,"type":35,"style":24,"detail":25,"format":25,"version":26}," Compare choices using evidence, realistic assumptions and a long-term perspective.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1258,"direction":36},[1259,1261],{"mode":33,"text":1260,"type":35,"style":24,"detail":25,"format":26,"version":26},"Use your resources effectively:",{"mode":33,"text":1262,"type":35,"style":24,"detail":25,"format":25,"version":26}," Direct income, capital and pension contributions towards the goals that matter most.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1264,"direction":36},[1265,1267],{"mode":33,"text":1266,"type":35,"style":24,"detail":25,"format":26,"version":26},"Prepare for uncertainty:",{"mode":33,"text":1268,"type":35,"style":24,"detail":25,"format":25,"version":26}," Build resilience against illness, loss of income, market volatility and unexpected costs.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1270,"direction":36},[1271,1273],{"mode":33,"text":1272,"type":35,"style":24,"detail":25,"format":26,"version":26},"Reduce avoidable mistakes:",{"mode":33,"text":1274,"type":35,"style":24,"detail":25,"format":25,"version":26}," Identify gaps, unnecessary risk, excessive costs, poor diversification or tax inefficiencies.",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":1276,"direction":36},[1277,1279],{"mode":33,"text":1278,"type":35,"style":24,"detail":25,"format":26,"version":26},"Stay accountable:",{"mode":33,"text":1280,"type":35,"style":24,"detail":25,"format":25,"version":26}," Turn good intentions into agreed actions, deadlines and regular reviews.",{"type":96,"value":607,"format":24,"indent":25,"version":26,"children":1282,"direction":36},[1283,1285],{"mode":33,"text":1284,"type":35,"style":24,"detail":25,"format":26,"version":26},"Adapt over time:",{"mode":33,"text":1286,"type":35,"style":24,"detail":25,"format":25,"version":26}," Keep your strategy aligned as your circumstances, priorities and the financial landscape change.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1288,"direction":8},[1289],{"mode":33,"text":1290,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our Financial Planning Process",{"type":38,"format":24,"indent":25,"version":26,"children":1292,"direction":36,"textStyle":24,"textFormat":25},[1293],{"mode":33,"text":1294,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our role is to make complexity manageable and turn analysis into clear action. The process is collaborative, transparent and centred on your objectives.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1296,"direction":8},[1297],{"mode":33,"text":1298,"type":35,"style":24,"detail":25,"format":25,"version":26},"1. Discovery and Understanding",{"type":38,"format":24,"indent":25,"version":26,"children":1300,"direction":36,"textStyle":24,"textFormat":25},[1301],{"mode":33,"text":1302,"type":35,"style":24,"detail":25,"format":25,"version":26},"We begin with a conversation about what matters to you: your family, career or business, lifestyle, values, concerns and ambitions. We then gather the information needed to understand your income, expenditure, assets, liabilities, pensions, investments, insurance arrangements and existing professional advice.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1304,"direction":8},[1305],{"mode":33,"text":1306,"type":35,"style":24,"detail":25,"format":25,"version":26},"2. Define and Prioritise Your Goals",{"type":38,"format":24,"indent":25,"version":26,"children":1308,"direction":36,"textStyle":24,"textFormat":25},[1309],{"mode":33,"text":1310,"type":35,"style":24,"detail":25,"format":25,"version":26},"Together, we convert broad ambitions into clear objectives. These may include achieving financial independence, retiring on your terms, funding education, protecting your family, managing a business transition, buying property or passing wealth efficiently to the next generation.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1312,"direction":8},[1313],{"mode":33,"text":1314,"type":35,"style":24,"detail":25,"format":25,"version":26},"3. Analyse and Model Your Future",{"type":38,"format":24,"indent":25,"version":26,"children":1316,"direction":36,"textStyle":24,"textFormat":25},[1317],{"mode":33,"text":1318,"type":35,"style":24,"detail":25,"format":25,"version":26},"We assess your current position and use holistic cash-flow modelling to illustrate how your finances may develop over time. By testing different assumptions and “what-if” scenarios, we can show the potential effect of decisions, risks and trade-offs before recommendations are made.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1320,"direction":8},[1321],{"mode":33,"text":1322,"type":35,"style":24,"detail":25,"format":25,"version":26},"4. Design Your Strategy",{"type":38,"format":24,"indent":25,"version":26,"children":1324,"direction":36,"textStyle":24,"textFormat":25},[1325],{"mode":33,"text":1326,"type":35,"style":24,"detail":25,"format":25,"version":26},"We create an integrated plan that brings together the relevant areas of your financial life. Recommendations are prioritised so that you know what to do, why it matters and what should happen first.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1328,"direction":8},[1329],{"mode":33,"text":1330,"type":35,"style":24,"detail":25,"format":25,"version":26},"5. Implement the Plan",{"type":38,"format":24,"indent":25,"version":26,"children":1332,"direction":36,"textStyle":24,"textFormat":25},[1333],{"mode":33,"text":1334,"type":35,"style":24,"detail":25,"format":25,"version":26},"We help you put the agreed strategy into action, coordinating applications, documentation and providers where appropriate. We can also work alongside your accountant, solicitor and other professional advisers to support a joined-up approach.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1336,"direction":8},[1337],{"mode":33,"text":1338,"type":35,"style":24,"detail":25,"format":25,"version":26},"6. Review, Refine and Keep You on Track",{"type":38,"format":24,"indent":25,"version":26,"children":1340,"direction":36,"textStyle":24,"textFormat":25},[1341],{"mode":33,"text":1342,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial planning is not a once-off event. Regular reviews measure progress, revisit assumptions and adjust the plan when life, legislation, markets or your priorities change.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1344,"direction":8},[1345],{"mode":33,"text":1346,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why Work With a CERTIFIED FINANCIAL PLANNER™ Professional?",{"type":38,"format":24,"indent":25,"version":26,"children":1348,"direction":36,"textStyle":24,"textFormat":25},[1349],{"mode":33,"text":1350,"type":35,"style":24,"detail":25,"format":25,"version":26},"Choosing the right adviser matters. A CFP® professional has completed demanding requirements in education, examination, relevant experience and ethics, and must maintain ongoing professional development. In Ireland, the certification is overseen by Financial Planning Standards Board Ireland as part of an international standards framework.",{"type":38,"format":24,"indent":25,"version":26,"children":1352,"direction":36,"textStyle":24,"textFormat":25},[1353],{"mode":33,"text":1354,"type":35,"style":24,"detail":25,"format":25,"version":26},"For clients, this brings important advantages:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1356,"listType":128,"direction":8},[1357,1363,1369,1375,1381],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1358,"direction":36},[1359,1361],{"mode":33,"text":1360,"type":35,"style":24,"detail":25,"format":26,"version":26},"Holistic expertise:",{"mode":33,"text":1362,"type":35,"style":24,"detail":25,"format":25,"version":26}," The ability to consider tax, retirement, investment, estate planning, insurance and cash flow as connected parts of one strategy.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1364,"direction":36},[1365,1367],{"mode":33,"text":1366,"type":35,"style":24,"detail":25,"format":26,"version":26},"Applied judgement:",{"mode":33,"text":1368,"type":35,"style":24,"detail":25,"format":25,"version":26}," Training designed to assess real-life scenarios, not simply individual financial products.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1370,"direction":36},[1371,1373],{"mode":33,"text":1372,"type":35,"style":24,"detail":25,"format":26,"version":26},"Ethical commitment:",{"mode":33,"text":1374,"type":35,"style":24,"detail":25,"format":25,"version":26}," A professional obligation to uphold integrity, fairness and client-focused standards.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1376,"direction":36},[1377,1379],{"mode":33,"text":1378,"type":35,"style":24,"detail":25,"format":26,"version":26},"Experience and discipline:",{"mode":33,"text":1380,"type":35,"style":24,"detail":25,"format":25,"version":26}," Practical financial planning experience supported by continued professional development.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1382,"direction":36},[1383,1385],{"mode":33,"text":1384,"type":35,"style":24,"detail":25,"format":26,"version":26},"A structured process:",{"mode":33,"text":1386,"type":35,"style":24,"detail":25,"format":25,"version":26}," Clear goals, documented analysis, suitable recommendations, implementation and ongoing review.",{"type":38,"format":24,"indent":25,"version":26,"children":1388,"direction":36,"textStyle":24,"textFormat":25},[1389],{"mode":33,"text":1390,"type":35,"style":24,"detail":25,"format":25,"version":26},"Technical knowledge is only part of the value. A good financial planner helps you ask better questions, understand consequences, remain objective during uncertain periods and follow through on the decisions that support your long-term goals.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1392,"direction":8},[1393],{"mode":33,"text":1394,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Indigo Gold Standard",{"type":38,"format":24,"indent":25,"version":26,"children":1396,"direction":36,"textStyle":24,"textFormat":25},[1397],{"mode":33,"text":1398,"type":35,"style":24,"detail":25,"format":25,"version":26},"At Indigo Investment Group, “gold standard” means more than technical competence. It means combining rigorous analysis, thoughtful advice and highly personal service to give you clarity at every stage.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1400,"direction":8},[1401],{"mode":33,"text":1402,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whole-of-Life Perspective",{"type":38,"format":24,"indent":25,"version":26,"children":1404,"direction":36,"textStyle":24,"textFormat":25},[1405],{"mode":33,"text":1406,"type":35,"style":24,"detail":25,"format":25,"version":26},"We start with your life and objectives-not with a product. Every recommendation is considered in the context of your wider financial plan.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1408,"direction":8},[1409],{"mode":33,"text":1410,"type":35,"style":24,"detail":25,"format":25,"version":26},"Insight Through Cash-Flow Modelling",{"type":38,"format":24,"indent":25,"version":26,"children":1412,"direction":36,"textStyle":24,"textFormat":25},[1413],{"mode":33,"text":1414,"type":35,"style":24,"detail":25,"format":25,"version":26},"We use detailed modelling to make the future more visible. This helps you understand whether your goals are achievable, where risks may arise and how different decisions could affect your long-term position.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1416,"direction":8},[1417],{"mode":33,"text":1418,"type":35,"style":24,"detail":25,"format":25,"version":26},"Clear, Prioritised Advice",{"type":38,"format":24,"indent":25,"version":26,"children":1420,"direction":36,"textStyle":24,"textFormat":25},[1421],{"mode":33,"text":1422,"type":35,"style":24,"detail":25,"format":25,"version":26},"Complexity can delay action. We explain your options in straightforward language and provide a prioritised roadmap, so you can make informed decisions with confidence.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1424,"direction":8},[1425],{"mode":33,"text":1426,"type":35,"style":24,"detail":25,"format":25,"version":26},"Coordinated Expertise",{"type":38,"format":24,"indent":25,"version":26,"children":1428,"direction":36,"textStyle":24,"textFormat":25},[1429],{"mode":33,"text":1430,"type":35,"style":24,"detail":25,"format":25,"version":26},"Where appropriate, we work with your existing legal, tax and accounting advisers. Our aim is to ensure that decisions are coordinated rather than made in isolation.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1432,"direction":8},[1433],{"mode":33,"text":1434,"type":35,"style":24,"detail":25,"format":25,"version":26},"Implementation Support",{"type":38,"format":24,"indent":25,"version":26,"children":1436,"direction":36,"textStyle":24,"textFormat":25},[1437],{"mode":33,"text":1438,"type":35,"style":24,"detail":25,"format":25,"version":26},"A strategy only creates value when it is put into practice. We help manage the process from recommendation through to implementation, including liaison with relevant providers and support with documentation.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1440,"direction":8},[1441],{"mode":33,"text":1442,"type":35,"style":24,"detail":25,"format":25,"version":26},"Long-Term Partnership",{"type":38,"format":24,"indent":25,"version":26,"children":1444,"direction":36,"textStyle":24,"textFormat":25},[1445],{"mode":33,"text":1446,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your plan is reviewed as your circumstances evolve. We provide the guidance, challenge and accountability needed to keep decisions aligned with your objectives.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1448,"direction":8},[1449],{"mode":33,"text":1450,"type":35,"style":24,"detail":25,"format":25,"version":26},"Who We Work With",{"type":38,"format":24,"indent":25,"version":26,"children":1452,"direction":36,"textStyle":24,"textFormat":25},[1453],{"mode":33,"text":1454,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our financial planning service is designed for individuals and families who value expert guidance, a clear strategy and an ongoing professional relationship. We work particularly well with:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1456,"listType":128,"direction":8},[1457,1461,1465,1469,1473,1477],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1458,"direction":36},[1459],{"mode":33,"text":1460,"type":35,"style":24,"detail":25,"format":25,"version":26},"Executives and senior professionals balancing complex remuneration, pensions and family goals",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1462,"direction":36},[1463],{"mode":33,"text":1464,"type":35,"style":24,"detail":25,"format":25,"version":26},"Business owners planning for growth, succession, exit or the transition from business wealth to personal wealth",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1466,"direction":36},[1467],{"mode":33,"text":1468,"type":35,"style":24,"detail":25,"format":25,"version":26},"Medical consultants, legal and financial professionals with demanding careers and complex financial arrangements",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1470,"direction":36},[1471],{"mode":33,"text":1472,"type":35,"style":24,"detail":25,"format":25,"version":26},"Professional athletes and others with variable or time-limited earning patterns",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1474,"direction":36},[1475],{"mode":33,"text":1476,"type":35,"style":24,"detail":25,"format":25,"version":26},"Families seeking to protect their lifestyle, organise their affairs and transfer wealth thoughtfully",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":1478,"direction":36},[1479],{"mode":33,"text":1480,"type":35,"style":24,"detail":25,"format":25,"version":26},"People approaching retirement who want to understand what is possible and how to draw income sustainably",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1482,"direction":8},[1483],{"mode":33,"text":1484,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your Financial Future Deserves a Plan",{"type":38,"format":24,"indent":25,"version":26,"children":1486,"direction":36,"textStyle":24,"textFormat":25},[1487],{"mode":33,"text":1488,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether you are organising your finances for the first time, approaching a major life decision or looking for a more sophisticated long-term strategy, the right plan can bring structure, perspective and confidence.",{"type":38,"format":24,"indent":25,"version":26,"children":1490,"direction":36,"textStyle":24,"textFormat":26},[1491,1493],{"mode":33,"text":1492,"type":35,"style":24,"detail":25,"format":26,"version":26},"Begin with a complimentary discovery meeting.",{"mode":33,"text":1494,"type":35,"style":24,"detail":25,"format":25,"version":26}," We will discuss what matters to you, explain how our financial planning process works and determine whether Indigo is the right partner for your needs.",{"type":38,"format":24,"indent":25,"version":26,"children":1496,"direction":36,"textStyle":24,"textFormat":26},[1497],{"mode":33,"text":1498,"type":35,"style":24,"detail":25,"format":26,"version":26},"Arrange your discovery meeting with IIG Indigo Investment Group.",{"type":38,"format":24,"indent":25,"version":26,"children":1500,"direction":36,"textStyle":24,"textFormat":16},[1501],{"mode":33,"text":1502,"type":35,"style":24,"detail":25,"format":16,"version":26},"The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Financial planning does not guarantee future outcomes.",{"type":38,"format":24,"indent":25,"version":26,"children":1504,"direction":8,"textStyle":24,"textFormat":25},[],{"title":1506,"description":1158,"image":8},"Financial Planning & Cash Flow Modelling | Indigo Investment Group","2026-10-23T09:25:53.819Z","2026-10-03T22:31:46.837Z",{"id":1510,"title":1511,"generateSlug":6,"url_title":1512,"sortOrder":674,"type":144,"parent":1513,"page_heading":1511,"intro":1524,"image":1525,"content":1531,"seo":1872,"updatedAt":1874,"createdAt":1875},54,"Mortgage Protection Guide","mortgage-protection-guide",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":1514,"seo":1523,"updatedAt":163,"createdAt":163},{"root":1515},{"type":23,"format":24,"indent":25,"version":26,"children":1516,"direction":36},[1517,1520],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1518,"direction":36},[1519],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":1521,"direction":36,"textStyle":24,"textFormat":25},[1522],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"A practical guide to mortgage protection - what it covers, when you might need it, and how to choose the right level of cover.",{"id":1227,"alt":1511,"_objectKey":8,"updatedAt":1526,"createdAt":1527,"url":1528,"thumbnailURL":8,"filename":1529,"mimeType":171,"filesize":1530,"width":467,"height":173,"focalX":175,"focalY":175},"2026-11-02T23:20:49.695Z","2026-10-03T23:07:50.082Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fmortgage-protection.jpg","mortgage-protection.jpg",218099,{"root":1532},{"type":23,"format":24,"indent":25,"version":26,"children":1533,"direction":8},[1534,1538,1542,1554,1556,1560,1564,1568,1590,1592,1596,1600,1604,1608,1610,1612,1616,1620,1624,1628,1650,1652,1656,1660,1664,1668,1670,1672,1676,1680,1684,1710,1714,1716,1720,1724,1728,1732,1734,1738,1742,1748,1754,1760,1764,1766,1768,1772,1776,1782,1788,1794,1800,1802,1806,1810,1848,1850,1854,1858,1862,1866,1870],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1535,"direction":8},[1536],{"mode":33,"text":1537,"type":35,"style":24,"detail":25,"format":26,"version":26},"Protect Your Home. Protect Your Family. Protect Your Future.",{"type":38,"format":24,"indent":25,"version":26,"children":1539,"direction":36,"textStyle":24,"textFormat":25},[1540],{"mode":33,"text":1541,"type":35,"style":24,"detail":25,"format":25,"version":26},"Buying a home is one of the most significant financial commitments you will ever make. Mortgage Protection Insurance ensures that if the unexpected happens, your loved ones won't be left carrying the burden of your mortgage.",{"type":38,"format":24,"indent":25,"version":26,"children":1543,"direction":36,"textStyle":24,"textFormat":25},[1544,1546,1548,1550,1552],{"mode":33,"text":1545,"type":35,"style":24,"detail":25,"format":25,"version":26},"At ",{"mode":33,"text":1547,"type":35,"style":24,"detail":25,"format":26,"version":26},"Indigo Mortgage Protection",{"mode":33,"text":1549,"type":35,"style":24,"detail":25,"format":25,"version":26},", a division of ",{"mode":33,"text":1551,"type":35,"style":24,"detail":25,"format":26,"version":26},"Indigo Investment Group",{"mode":33,"text":1553,"type":35,"style":24,"detail":25,"format":25,"version":26},", we help individuals, couples and families throughout Ireland secure the right mortgage protection policy at the most competitive price available from leading insurers. We compare the market on your behalf and guide you through the process from start to finish.",{"type":38,"format":24,"indent":25,"version":26,"children":1555,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1557,"direction":8},[1558],{"mode":33,"text":1559,"type":35,"style":24,"detail":25,"format":26,"version":26},"What Is Mortgage Protection?",{"type":38,"format":24,"indent":25,"version":26,"children":1561,"direction":36,"textStyle":24,"textFormat":25},[1562],{"mode":33,"text":1563,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage Protection is a specialised life insurance policy designed to repay the outstanding balance of your mortgage if you die during the term of the mortgage. In most cases, the cover reduces over time in line with your mortgage balance, making it a cost-effective way to protect your home and your family.",{"type":38,"format":24,"indent":25,"version":26,"children":1565,"direction":36,"textStyle":24,"textFormat":26},[1566],{"mode":33,"text":1567,"type":35,"style":24,"detail":25,"format":26,"version":26},"Mortgage Protection Helps To:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1569,"listType":128,"direction":8},[1570,1574,1578,1582,1586],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1571,"direction":8},[1572],{"mode":33,"text":1573,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ensure your family can remain in their home",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1575,"direction":8},[1576],{"mode":33,"text":1577,"type":35,"style":24,"detail":25,"format":25,"version":26},"Remove the financial burden of mortgage repayments",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1579,"direction":8},[1580],{"mode":33,"text":1581,"type":35,"style":24,"detail":25,"format":25,"version":26},"Provide peace of mind for you and your loved ones",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1583,"direction":8},[1584],{"mode":33,"text":1585,"type":35,"style":24,"detail":25,"format":25,"version":26},"Meet your lender's mortgage protection requirements",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1587,"direction":8},[1588],{"mode":33,"text":1589,"type":35,"style":24,"detail":25,"format":25,"version":26},"Protect your most valuable asset",{"type":38,"format":24,"indent":25,"version":26,"children":1591,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1593,"direction":8},[1594],{"mode":33,"text":1595,"type":35,"style":24,"detail":25,"format":26,"version":26},"Why Mortgage Protection Is So Important",{"type":38,"format":24,"indent":25,"version":26,"children":1597,"direction":36,"textStyle":24,"textFormat":25},[1598],{"mode":33,"text":1599,"type":35,"style":24,"detail":25,"format":25,"version":26},"Many families focus on securing their mortgage approval but overlook the importance of protecting that mortgage.",{"type":38,"format":24,"indent":25,"version":26,"children":1601,"direction":36,"textStyle":24,"textFormat":25},[1602],{"mode":33,"text":1603,"type":35,"style":24,"detail":25,"format":25,"version":26},"Without adequate protection, an unexpected death could leave a surviving partner or family responsible for significant mortgage repayments at a time when they are already dealing with emotional and financial stress.",{"type":38,"format":24,"indent":25,"version":26,"children":1605,"direction":36,"textStyle":24,"textFormat":25},[1606],{"mode":33,"text":1607,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage Protection provides reassurance that the mortgage debt can be cleared, helping protect your family's financial security and home ownership.",{"type":38,"format":24,"indent":25,"version":26,"children":1609,"direction":36,"textStyle":24,"textFormat":25},[],{"type":38,"format":24,"indent":25,"version":26,"children":1611,"direction":8,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1613,"direction":8},[1614],{"mode":33,"text":1615,"type":35,"style":24,"detail":25,"format":26,"version":26},"Why Choose Indigo Mortgage Protection?",{"type":38,"format":24,"indent":25,"version":26,"children":1617,"direction":36,"textStyle":24,"textFormat":26},[1618],{"mode":33,"text":1619,"type":35,"style":24,"detail":25,"format":26,"version":26},"We Search The Market For You",{"type":38,"format":24,"indent":25,"version":26,"children":1621,"direction":36,"textStyle":24,"textFormat":25},[1622],{"mode":33,"text":1623,"type":35,"style":24,"detail":25,"format":25,"version":26},"Rather than accepting the first quote offered by a bank, we compare a wide range of providers to find the most suitable cover for your circumstances.",{"type":38,"format":24,"indent":25,"version":26,"children":1625,"direction":36,"textStyle":24,"textFormat":25},[1626],{"mode":33,"text":1627,"type":35,"style":24,"detail":25,"format":25,"version":26},"Through our market access, we can obtain quotations from:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1629,"listType":128,"direction":8},[1630,1634,1638,1642,1646],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1631,"direction":36},[1632],{"mode":33,"text":1633,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1635,"direction":36},[1636],{"mode":33,"text":1637,"type":35,"style":24,"detail":25,"format":25,"version":26},"Royal London",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1639,"direction":36},[1640],{"mode":33,"text":1641,"type":35,"style":24,"detail":25,"format":25,"version":26},"New Ireland",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1643,"direction":36},[1644],{"mode":33,"text":1645,"type":35,"style":24,"detail":25,"format":25,"version":26},"Zurich",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1647,"direction":36},[1648],{"mode":33,"text":1649,"type":35,"style":24,"detail":25,"format":25,"version":26},"Aviva",{"type":38,"format":24,"indent":25,"version":26,"children":1651,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1653,"direction":8},[1654],{"mode":33,"text":1655,"type":35,"style":24,"detail":25,"format":26,"version":26},"Truly Independent Advice",{"type":38,"format":24,"indent":25,"version":26,"children":1657,"direction":36,"textStyle":24,"textFormat":25},[1658],{"mode":33,"text":1659,"type":35,"style":24,"detail":25,"format":25,"version":26},"Every client is different.",{"type":38,"format":24,"indent":25,"version":26,"children":1661,"direction":36,"textStyle":24,"textFormat":25},[1662],{"mode":33,"text":1663,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your age, health, mortgage amount, family circumstances and long-term financial goals all influence the most suitable policy for you.",{"type":38,"format":24,"indent":25,"version":26,"children":1665,"direction":36,"textStyle":24,"textFormat":25},[1666],{"mode":33,"text":1667,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our advisers take the time to understand your needs before recommending a solution, ensuring you receive advice tailored specifically to your situation.",{"type":38,"format":24,"indent":25,"version":26,"children":1669,"direction":36,"textStyle":24,"textFormat":25},[],{"type":38,"format":24,"indent":25,"version":26,"children":1671,"direction":8,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1673,"direction":8},[1674],{"mode":33,"text":1675,"type":35,"style":24,"detail":25,"format":26,"version":26},"We Handle The Heavy Lifting",{"type":38,"format":24,"indent":25,"version":26,"children":1677,"direction":36,"textStyle":24,"textFormat":25},[1678],{"mode":33,"text":1679,"type":35,"style":24,"detail":25,"format":25,"version":26},"Applying for mortgage protection can be time-consuming and confusing.",{"type":38,"format":24,"indent":25,"version":26,"children":1681,"direction":36,"textStyle":24,"textFormat":25},[1682],{"mode":33,"text":1683,"type":35,"style":24,"detail":25,"format":25,"version":26},"We simplify the process by:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1685,"listType":128,"direction":8},[1686,1690,1694,1698,1702,1706],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1687,"direction":36},[1688],{"mode":33,"text":1689,"type":35,"style":24,"detail":25,"format":25,"version":26},"Comparing providers on your behalf",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1691,"direction":36},[1692],{"mode":33,"text":1693,"type":35,"style":24,"detail":25,"format":25,"version":26},"Explaining policy options clearly",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1695,"direction":36},[1696],{"mode":33,"text":1697,"type":35,"style":24,"detail":25,"format":25,"version":26},"Assisting with applications and paperwork",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1699,"direction":36},[1700],{"mode":33,"text":1701,"type":35,"style":24,"detail":25,"format":25,"version":26},"Managing insurer communications",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1703,"direction":36},[1704],{"mode":33,"text":1705,"type":35,"style":24,"detail":25,"format":25,"version":26},"Guiding you through any medical requirements",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":1707,"direction":36},[1708],{"mode":33,"text":1709,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ensuring cover is in place before mortgage drawdown",{"type":38,"format":24,"indent":25,"version":26,"children":1711,"direction":36,"textStyle":24,"textFormat":25},[1712],{"mode":33,"text":1713,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our goal is to make protecting your mortgage as straightforward and stress-free as possible.",{"type":38,"format":24,"indent":25,"version":26,"children":1715,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1717,"direction":8},[1718],{"mode":33,"text":1719,"type":35,"style":24,"detail":25,"format":26,"version":26},"Competitive Premiums",{"type":38,"format":24,"indent":25,"version":26,"children":1721,"direction":36,"textStyle":24,"textFormat":25},[1722],{"mode":33,"text":1723,"type":35,"style":24,"detail":25,"format":25,"version":26},"Many borrowers are surprised by the difference in premiums between providers.",{"type":38,"format":24,"indent":25,"version":26,"children":1725,"direction":36,"textStyle":24,"textFormat":25},[1726],{"mode":33,"text":1727,"type":35,"style":24,"detail":25,"format":25,"version":26},"Because we compare multiple insurers, we can often identify significant savings over the lifetime of a policy while ensuring appropriate levels of protection.",{"type":38,"format":24,"indent":25,"version":26,"children":1729,"direction":36,"textStyle":24,"textFormat":25},[1730],{"mode":33,"text":1731,"type":35,"style":24,"detail":25,"format":25,"version":26},"Our focus is not just on obtaining a lower premium, but on delivering the right balance of cost, cover and benefits for each client.",{"type":38,"format":24,"indent":25,"version":26,"children":1733,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1735,"direction":8},[1736],{"mode":33,"text":1737,"type":35,"style":24,"detail":25,"format":26,"version":26},"More Than Just Mortgage Protection",{"type":38,"format":24,"indent":25,"version":26,"children":1739,"direction":36,"textStyle":24,"textFormat":25},[1740],{"mode":33,"text":1741,"type":35,"style":24,"detail":25,"format":25,"version":26},"Depending on your circumstances, you may also wish to consider:",{"type":38,"format":24,"indent":26,"version":26,"children":1743,"direction":36,"textStyle":24,"textFormat":26},[1744,1746],{"mode":33,"text":1745,"type":35,"style":24,"detail":25,"format":26,"version":26},"Serious Illness Cover - ",{"mode":33,"text":1747,"type":35,"style":24,"detail":25,"format":25,"version":26},"Provides a lump sum payment if you are diagnosed with a specified serious illness during the policy term.",{"type":38,"format":24,"indent":26,"version":26,"children":1749,"direction":36,"textStyle":24,"textFormat":26},[1750,1752],{"mode":33,"text":1751,"type":35,"style":24,"detail":25,"format":26,"version":26},"Life Insurance - ",{"mode":33,"text":1753,"type":35,"style":24,"detail":25,"format":25,"version":26},"Additional protection beyond your mortgage, providing financial support for your family.",{"type":38,"format":24,"indent":26,"version":26,"children":1755,"direction":36,"textStyle":24,"textFormat":26},[1756,1758],{"mode":33,"text":1757,"type":35,"style":24,"detail":25,"format":26,"version":26},"Income Protection - ",{"mode":33,"text":1759,"type":35,"style":24,"detail":25,"format":25,"version":26},"Designed to replace a proportion of your income if illness or injury prevents you from working.",{"type":38,"format":24,"indent":25,"version":26,"children":1761,"direction":36,"textStyle":24,"textFormat":25},[1762],{"mode":33,"text":1763,"type":35,"style":24,"detail":25,"format":25,"version":26},"As part of Indigo Investment Group's holistic financial planning approach, we can help ensure all aspects of your family's financial protection are considered.",{"type":38,"format":24,"indent":25,"version":26,"children":1765,"direction":36,"textStyle":24,"textFormat":25},[],{"type":38,"format":24,"indent":25,"version":26,"children":1767,"direction":8,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1769,"direction":8},[1770],{"mode":33,"text":1771,"type":35,"style":24,"detail":25,"format":26,"version":26},"The Indigo Difference",{"type":38,"format":24,"indent":25,"version":26,"children":1773,"direction":36,"textStyle":24,"textFormat":25},[1774],{"mode":33,"text":1775,"type":35,"style":24,"detail":25,"format":25,"version":26},"At Indigo Investment Group, we believe financial protection should be built on:",{"type":38,"format":24,"indent":25,"version":26,"children":1777,"direction":36,"textStyle":24,"textFormat":26},[1778,1780],{"mode":33,"text":1779,"type":35,"style":24,"detail":25,"format":26,"version":26},"Clarity - ",{"mode":33,"text":1781,"type":35,"style":24,"detail":25,"format":25,"version":26},"No jargon. No confusion. Just straightforward advice you can understand.",{"type":38,"format":24,"indent":25,"version":26,"children":1783,"direction":36,"textStyle":24,"textFormat":26},[1784,1786],{"mode":33,"text":1785,"type":35,"style":24,"detail":25,"format":26,"version":26},"Guidance - ",{"mode":33,"text":1787,"type":35,"style":24,"detail":25,"format":25,"version":26},"Professional support from application through to policy commencement.",{"type":38,"format":24,"indent":25,"version":26,"children":1789,"direction":36,"textStyle":24,"textFormat":26},[1790,1792],{"mode":33,"text":1791,"type":35,"style":24,"detail":25,"format":26,"version":26},"Value - ",{"mode":33,"text":1793,"type":35,"style":24,"detail":25,"format":25,"version":26},"Access to a wide range of insurers to help secure competitive premiums.",{"type":38,"format":24,"indent":25,"version":26,"children":1795,"direction":36,"textStyle":24,"textFormat":26},[1796,1798],{"mode":33,"text":1797,"type":35,"style":24,"detail":25,"format":26,"version":26},"Peace of Mind - ",{"mode":33,"text":1799,"type":35,"style":24,"detail":25,"format":25,"version":26},"Knowing your mortgage and your family are protected if the unexpected occurs.",{"type":38,"format":24,"indent":25,"version":26,"children":1801,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1803,"direction":36},[1804],{"mode":33,"text":1805,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your Mortgage Protection Journey",{"type":38,"format":24,"indent":25,"version":26,"children":1807,"direction":36,"textStyle":24,"textFormat":25},[1808],{"mode":33,"text":1809,"type":35,"style":24,"detail":25,"format":25,"version":26},"From your first conversation with us to having your policy ready for mortgage drawdown, we guide you through every stage of the process and work to keep everything moving on time.",{"tag":369,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":1811,"listType":395,"direction":8,"textFormat":26},[1812,1818,1824,1830,1836,1842],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":1813,"direction":36},[1814,1816],{"mode":33,"text":1815,"type":35,"style":24,"detail":25,"format":26,"version":26},"Meet and understand you.",{"mode":33,"text":1817,"type":35,"style":24,"detail":25,"format":25,"version":26}," We meet with you to understand your mortgage, family circumstances, priorities, budget and any relevant health or lifestyle considerations.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":1819,"direction":36},[1820,1822],{"mode":33,"text":1821,"type":35,"style":24,"detail":25,"format":26,"version":26},"Explain your options clearly.",{"mode":33,"text":1823,"type":35,"style":24,"detail":25,"format":25,"version":26}," We outline the available types of cover, key benefits and important differences so you can make an informed decision without unnecessary jargon.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":1825,"direction":36},[1826,1828],{"mode":33,"text":1827,"type":35,"style":24,"detail":25,"format":26,"version":26},"Recommend the most appropriate plan.",{"mode":33,"text":1829,"type":35,"style":24,"detail":25,"format":25,"version":26}," We compare suitable options across the market and recommend a plan designed to meet the needs of you, your family and your lender.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":1831,"direction":36},[1832,1834],{"mode":33,"text":1833,"type":35,"style":24,"detail":25,"format":26,"version":26},"Support your application.",{"mode":33,"text":1835,"type":35,"style":24,"detail":25,"format":25,"version":26}," We help you complete the application accurately, explain the information required and guide you through any medical or supporting-document requirements.",{"type":96,"value":122,"format":24,"indent":25,"version":26,"children":1837,"direction":36},[1838,1840],{"mode":33,"text":1839,"type":35,"style":24,"detail":25,"format":26,"version":26},"Work directly with the insurer.",{"mode":33,"text":1841,"type":35,"style":24,"detail":25,"format":25,"version":26}," We liaise with the life insurance company, follow up on progress and go out of our way to address queries, problems or delays that could affect your mortgage timeline.",{"type":96,"value":674,"format":24,"indent":25,"version":26,"children":1843,"direction":36},[1844,1846],{"mode":33,"text":1845,"type":35,"style":24,"detail":25,"format":26,"version":26},"Prepare your policy for drawdown.",{"mode":33,"text":1847,"type":35,"style":24,"detail":25,"format":25,"version":26}," Once cover is approved, we help arrange the policy and required documentation so it is ready for your lender, helping you draw down your mortgage funds and receive your keys on time.",{"type":38,"format":24,"indent":25,"version":26,"children":1849,"direction":8,"textStyle":24,"textFormat":26},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1851,"direction":8},[1852],{"mode":33,"text":1853,"type":35,"style":24,"detail":25,"format":26,"version":26},"Speak To An Adviser Today",{"type":38,"format":24,"indent":25,"version":26,"children":1855,"direction":36,"textStyle":24,"textFormat":25},[1856],{"mode":33,"text":1857,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether you're buying your first home, moving house, switching lenders or reviewing an existing policy, our experienced advisers are here to help.",{"type":38,"format":24,"indent":25,"version":26,"children":1859,"direction":36,"textStyle":24,"textFormat":26},[1860],{"mode":33,"text":1861,"type":35,"style":24,"detail":25,"format":26,"version":26},"Let Indigo Mortgage Protection Compare The Market For You",{"type":38,"format":24,"indent":25,"version":26,"children":1863,"direction":36,"textStyle":24,"textFormat":26},[1864],{"mode":33,"text":1865,"type":35,"style":24,"detail":25,"format":26,"version":26},"Independent Advice. Competitive Quotes. Professional Guidance.",{"type":38,"format":24,"indent":25,"version":26,"children":1867,"direction":36,"textStyle":24,"textFormat":26},[1868],{"mode":33,"text":1869,"type":35,"style":24,"detail":25,"format":26,"version":26},"Protect your mortgage. Protect your family. Protect what matters most.",{"type":38,"format":24,"indent":25,"version":26,"children":1871,"direction":8,"textStyle":24,"textFormat":25},[],{"title":1873,"description":1524,"image":8},"Mortgage Protection Guide | Indigo Investment Group","2026-11-02T22:56:20.718Z","2026-10-03T22:31:45.958Z",{"id":1877,"title":1878,"generateSlug":6,"url_title":1879,"sortOrder":607,"type":144,"parent":1880,"page_heading":1878,"intro":1891,"image":1892,"content":1899,"seo":3834,"updatedAt":3836,"createdAt":3837},59,"Buying Your First Home Guide","buying-your-first-home-guide",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":1881,"seo":1890,"updatedAt":163,"createdAt":163},{"root":1882},{"type":23,"format":24,"indent":25,"version":26,"children":1883,"direction":36},[1884,1887],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1885,"direction":36},[1886],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":1888,"direction":36,"textStyle":24,"textFormat":25},[1889],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"A first-time buyer guide covering deposits, affordability, mortgage options and the steps from offer through to completion.",{"id":115,"alt":1893,"_objectKey":8,"updatedAt":1894,"createdAt":1895,"url":1896,"thumbnailURL":8,"filename":1897,"mimeType":171,"filesize":1898,"width":467,"height":173,"focalX":175,"focalY":175},"Buying First Home Guide","2026-11-02T23:20:45.165Z","2026-10-03T23:03:45.297Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fbuying-first-home.jpg","buying-first-home.jpg",206164,{"root":1900},{"type":23,"format":24,"indent":25,"version":26,"children":1901,"direction":8},[1902,1906,1910,1914,1918,1922,1926,1930,1934,1938,1942,1946,1950,1954,1958,2187,2189,2193,2200,2204,2208,2212,2216,2220,2224,2228,2232,2363,2367,2371,2375,2379,2383,2387,2391,2395,2399,2403,2407,2411,2415,2419,2423,2427,2431,2435,2439,2443,2447,2550,2554,2558,2562,2566,2570,2574,2578,2582,2586,2590,2594,2598,2602,2606,2692,2696,2700,2704,2708,2712,2716,2720,2724,2728,2732,2736,2740,2744,2748,2752,2756,2760,2764,2768,2772,2776,2780,2784,2788,2792,2796,2800,2804,2808,2812,2816,2820,2824,2828,2832,2836,2936,2940,2944,2948,2952,2956,2960,2964,2968,2972,2976,2980,2984,2988,2992,2996,3000,3004,3008,3012,3016,3020,3024,3028,3032,3036,3040,3044,3048,3052,3056,3060,3064,3068,3072,3076,3080,3084,3088,3092,3096,3100,3104,3108,3112,3116,3120,3124,3128,3132,3136,3140,3144,3148,3152,3156,3160,3164,3168,3172,3176,3180,3184,3188,3192,3196,3200,3204,3208,3212,3216,3220,3224,3228,3232,3236,3240,3244,3248,3252,3256,3260,3264,3268,3272,3276,3280,3284,3288,3292,3296,3300,3304,3308,3312,3316,3320,3324,3486,3508,3512,3516,3538,3545,3549,3553,3557,3561,3565,3569,3573,3577,3581,3585,3589,3593,3597,3601,3605,3609,3613,3617,3623,3629,3635,3641,3647,3653,3659,3665,3669,3675,3679,3683,3687,3691,3695,3699,3703,3706,3710,3718,3726,3734,3741,3748,3755,3763,3771,3779,3787,3795,3802,3810,3814,3830],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1903,"direction":8},[1904],{"mode":33,"text":1905,"type":35,"style":24,"detail":25,"format":25,"version":26},"A PRACTICAL GUIDE FOR BUYERS IN IRELAND",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1907,"direction":8},[1908],{"mode":33,"text":1909,"type":35,"style":24,"detail":25,"format":25,"version":26},"Buying your first home",{"type":38,"format":24,"indent":25,"version":26,"children":1911,"direction":8,"textStyle":24,"textFormat":26},[1912],{"mode":33,"text":1913,"type":35,"style":24,"detail":25,"format":26,"version":26},"From the first savings plan to collecting the keys",{"type":38,"format":24,"indent":25,"version":26,"children":1915,"direction":8,"textStyle":24,"textFormat":25},[1916],{"mode":33,"text":1917,"type":35,"style":24,"detail":25,"format":25,"version":26},"Buying a home brings several decisions together: what you can afford, where you want to live, what condition the property is in and when you are ready to commit. You do not need to solve them all at once. You do need to understand which checks come before each commitment.",{"type":38,"format":24,"indent":25,"version":26,"children":1919,"direction":8,"textStyle":24,"textFormat":25},[1920],{"mode":33,"text":1921,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide takes you through a first purchase in the Republic of Ireland, from preparing your finances and comparing mortgages to viewing homes, agreeing a sale, completing the legal work and moving in. It explains the people involved and the questions that help you stay in control.",{"type":38,"format":24,"indent":25,"version":26,"children":1923,"direction":8,"textStyle":24,"textFormat":25},[1924],{"mode":33,"text":1925,"type":35,"style":24,"detail":25,"format":25,"version":26},"Most of the process described is for a mortgage-funded purchase by private treaty, where a price is negotiated through an estate agent. Auctions, self-builds and some other transactions work differently. Those differences are highlighted where they matter.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1927,"direction":8},[1928],{"mode":33,"text":1929,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start with a budget you can live with",{"type":38,"format":24,"indent":25,"version":26,"children":1931,"direction":8,"textStyle":24,"textFormat":25},[1932],{"mode":33,"text":1933,"type":35,"style":24,"detail":25,"format":25,"version":26},"A mortgage approval sets a lending limit. Your own budget should also leave room for bills, repairs, changing circumstances and a life outside the mortgage.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1935,"direction":8},[1936],{"mode":33,"text":1937,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage risk",{"type":38,"format":24,"indent":25,"version":26,"children":1939,"direction":8,"textStyle":24,"textFormat":26},[1940],{"mode":33,"text":1941,"type":35,"style":24,"detail":25,"format":26,"version":26},"Warning: If you do not keep up your repayments you may lose your home.",{"type":38,"format":24,"indent":25,"version":26,"children":1943,"direction":8,"textStyle":24,"textFormat":25},[1944],{"mode":33,"text":1945,"type":35,"style":24,"detail":25,"format":25,"version":26},"General educational information, not a mortgage offer or personal financial, legal, tax or property advice. Figures are illustrative unless stated otherwise. Rules and supports were checked on 4 October 2026. Read the important information on page 18 before acting.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":1947,"direction":8},[1948],{"mode":33,"text":1949,"type":35,"style":24,"detail":25,"format":25,"version":26},"THE DECISIONS IN ORDER",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":1951,"direction":8},[1952],{"mode":33,"text":1953,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your route to the keys",{"type":38,"format":24,"indent":25,"version":26,"children":1955,"direction":8,"textStyle":24,"textFormat":25},[1956],{"mode":33,"text":1957,"type":35,"style":24,"detail":25,"format":25,"version":26},"Some steps happen at the same time. For example, your solicitor may investigate the title while you arrange a survey and complete your mortgage application. Progress depends on the property, both parties and the conditions attached to your funding.",{"type":231,"format":24,"indent":25,"version":26,"children":1959,"colWidths":2184,"direction":8},[1960,1974,1988,2002,2016,2030,2044,2058,2072,2086,2100,2114,2128,2142,2156,2170],{"type":234,"format":24,"indent":25,"version":26,"children":1961,"direction":8},[1962,1968],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":1963,"direction":8,"headerState":26,"backgroundColor":8},[1964],{"type":38,"format":24,"indent":25,"version":26,"children":1965,"direction":8,"textStyle":24,"textFormat":26},[1966],{"mode":33,"text":1967,"type":35,"style":24,"detail":25,"format":26,"version":26},"Stage",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":1969,"direction":8,"headerState":26,"backgroundColor":8},[1970],{"type":38,"format":24,"indent":25,"version":26,"children":1971,"direction":8,"textStyle":24,"textFormat":26},[1972],{"mode":33,"text":1973,"type":35,"style":24,"detail":25,"format":26,"version":26},"What you need to establish",{"type":234,"format":24,"indent":25,"version":26,"children":1975,"direction":8},[1976,1982],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":1977,"direction":8,"headerState":25,"backgroundColor":8},[1978],{"type":38,"format":24,"indent":25,"version":26,"children":1979,"direction":8,"textStyle":24,"textFormat":26},[1980],{"mode":33,"text":1981,"type":35,"style":24,"detail":25,"format":26,"version":26},"Prepare",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":1983,"direction":8,"headerState":25,"backgroundColor":8},[1984],{"type":38,"format":24,"indent":25,"version":26,"children":1985,"direction":8,"textStyle":24,"textFormat":25},[1986],{"mode":33,"text":1987,"type":35,"style":24,"detail":25,"format":25,"version":26},"A realistic budget and enough cash for the whole purchase",{"type":234,"format":24,"indent":25,"version":26,"children":1989,"direction":8},[1990,1996],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":1991,"direction":8,"headerState":25,"backgroundColor":8},[1992],{"type":38,"format":24,"indent":25,"version":26,"children":1993,"direction":8,"textStyle":24,"textFormat":26},[1994],{"mode":33,"text":1995,"type":35,"style":24,"detail":25,"format":26,"version":26},"Check borrowing",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":1997,"direction":8,"headerState":25,"backgroundColor":8},[1998],{"type":38,"format":24,"indent":25,"version":26,"children":1999,"direction":8,"textStyle":24,"textFormat":25},[2000],{"mode":33,"text":2001,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage limits and what a lender may approve",{"type":234,"format":24,"indent":25,"version":26,"children":2003,"direction":8},[2004,2010],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2005,"direction":8,"headerState":25,"backgroundColor":8},[2006],{"type":38,"format":24,"indent":25,"version":26,"children":2007,"direction":8,"textStyle":24,"textFormat":26},[2008],{"mode":33,"text":2009,"type":35,"style":24,"detail":25,"format":26,"version":26},"Get ready",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2011,"direction":8,"headerState":25,"backgroundColor":8},[2012],{"type":38,"format":24,"indent":25,"version":26,"children":2013,"direction":8,"textStyle":24,"textFormat":25},[2014],{"mode":33,"text":2015,"type":35,"style":24,"detail":25,"format":25,"version":26},"Documents, savings evidence and credit history",{"type":234,"format":24,"indent":25,"version":26,"children":2017,"direction":8},[2018,2024],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2019,"direction":8,"headerState":25,"backgroundColor":8},[2020],{"type":38,"format":24,"indent":25,"version":26,"children":2021,"direction":8,"textStyle":24,"textFormat":26},[2022],{"mode":33,"text":2023,"type":35,"style":24,"detail":25,"format":26,"version":26},"Compare",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2025,"direction":8,"headerState":25,"backgroundColor":8},[2026],{"type":38,"format":24,"indent":25,"version":26,"children":2027,"direction":8,"textStyle":24,"textFormat":25},[2028],{"mode":33,"text":2029,"type":35,"style":24,"detail":25,"format":25,"version":26},"Rates, loan terms and the overall cost",{"type":234,"format":24,"indent":25,"version":26,"children":2031,"direction":8},[2032,2038],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2033,"direction":8,"headerState":25,"backgroundColor":8},[2034],{"type":38,"format":24,"indent":25,"version":26,"children":2035,"direction":8,"textStyle":24,"textFormat":26},[2036],{"mode":33,"text":2037,"type":35,"style":24,"detail":25,"format":26,"version":26},"Explore support",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2039,"direction":8,"headerState":25,"backgroundColor":8},[2040],{"type":38,"format":24,"indent":25,"version":26,"children":2041,"direction":8,"textStyle":24,"textFormat":25},[2042],{"mode":33,"text":2043,"type":35,"style":24,"detail":25,"format":25,"version":26},"Eligibility and obligations under buyer schemes",{"type":234,"format":24,"indent":25,"version":26,"children":2045,"direction":8},[2046,2052],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2047,"direction":8,"headerState":25,"backgroundColor":8},[2048],{"type":38,"format":24,"indent":25,"version":26,"children":2049,"direction":8,"textStyle":24,"textFormat":26},[2050],{"mode":33,"text":2051,"type":35,"style":24,"detail":25,"format":26,"version":26},"Search and view",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2053,"direction":8,"headerState":25,"backgroundColor":8},[2054],{"type":38,"format":24,"indent":25,"version":26,"children":2055,"direction":8,"textStyle":24,"textFormat":25},[2056],{"mode":33,"text":2057,"type":35,"style":24,"detail":25,"format":25,"version":26},"A practical shortlist and consistent viewing checks",{"type":234,"format":24,"indent":25,"version":26,"children":2059,"direction":8},[2060,2066],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2061,"direction":8,"headerState":25,"backgroundColor":8},[2062],{"type":38,"format":24,"indent":25,"version":26,"children":2063,"direction":8,"textStyle":24,"textFormat":26},[2064],{"mode":33,"text":2065,"type":35,"style":24,"detail":25,"format":26,"version":26},"Investigate",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2067,"direction":8,"headerState":25,"backgroundColor":8},[2068],{"type":38,"format":24,"indent":25,"version":26,"children":2069,"direction":8,"textStyle":24,"textFormat":25},[2070],{"mode":33,"text":2071,"type":35,"style":24,"detail":25,"format":25,"version":26},"Surveys, title, apartments and new builds",{"type":234,"format":24,"indent":25,"version":26,"children":2073,"direction":8},[2074,2080],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2075,"direction":8,"headerState":25,"backgroundColor":8},[2076],{"type":38,"format":24,"indent":25,"version":26,"children":2077,"direction":8,"textStyle":24,"textFormat":26},[2078],{"mode":33,"text":2079,"type":35,"style":24,"detail":25,"format":26,"version":26},"Agree the price",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2081,"direction":8,"headerState":25,"backgroundColor":8},[2082],{"type":38,"format":24,"indent":25,"version":26,"children":2083,"direction":8,"textStyle":24,"textFormat":25},[2084],{"mode":33,"text":2085,"type":35,"style":24,"detail":25,"format":25,"version":26},"Bidding, deposits and sale agreed",{"type":234,"format":24,"indent":25,"version":26,"children":2087,"direction":8},[2088,2094],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2089,"direction":8,"headerState":25,"backgroundColor":8},[2090],{"type":38,"format":24,"indent":25,"version":26,"children":2091,"direction":8,"textStyle":24,"textFormat":26},[2092],{"mode":33,"text":2093,"type":35,"style":24,"detail":25,"format":26,"version":26},"Commit carefully",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2095,"direction":8,"headerState":25,"backgroundColor":8},[2096],{"type":38,"format":24,"indent":25,"version":26,"children":2097,"direction":8,"textStyle":24,"textFormat":25},[2098],{"mode":33,"text":2099,"type":35,"style":24,"detail":25,"format":25,"version":26},"Legal advice and contract conditions",{"type":234,"format":24,"indent":25,"version":26,"children":2101,"direction":8},[2102,2108],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2103,"direction":8,"headerState":25,"backgroundColor":8},[2104],{"type":38,"format":24,"indent":25,"version":26,"children":2105,"direction":8,"textStyle":24,"textFormat":26},[2106],{"mode":33,"text":2107,"type":35,"style":24,"detail":25,"format":26,"version":26},"Arrange cover",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2109,"direction":8,"headerState":25,"backgroundColor":8},[2110],{"type":38,"format":24,"indent":25,"version":26,"children":2111,"direction":8,"textStyle":24,"textFormat":25},[2112],{"mode":33,"text":2113,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage protection and home insurance",{"type":234,"format":24,"indent":25,"version":26,"children":2115,"direction":8},[2116,2122],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2117,"direction":8,"headerState":25,"backgroundColor":8},[2118],{"type":38,"format":24,"indent":25,"version":26,"children":2119,"direction":8,"textStyle":24,"textFormat":26},[2120],{"mode":33,"text":2121,"type":35,"style":24,"detail":25,"format":26,"version":26},"Complete",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2123,"direction":8,"headerState":25,"backgroundColor":8},[2124],{"type":38,"format":24,"indent":25,"version":26,"children":2125,"direction":8,"textStyle":24,"textFormat":25},[2126],{"mode":33,"text":2127,"type":35,"style":24,"detail":25,"format":25,"version":26},"Loan drawdown, final checks and keys",{"type":234,"format":24,"indent":25,"version":26,"children":2129,"direction":8},[2130,2136],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2131,"direction":8,"headerState":25,"backgroundColor":8},[2132],{"type":38,"format":24,"indent":25,"version":26,"children":2133,"direction":8,"textStyle":24,"textFormat":26},[2134],{"mode":33,"text":2135,"type":35,"style":24,"detail":25,"format":26,"version":26},"Settle in",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2137,"direction":8,"headerState":25,"backgroundColor":8},[2138],{"type":38,"format":24,"indent":25,"version":26,"children":2139,"direction":8,"textStyle":24,"textFormat":25},[2140],{"mode":33,"text":2141,"type":35,"style":24,"detail":25,"format":25,"version":26},"Moving and the first months of ownership",{"type":234,"format":24,"indent":25,"version":26,"children":2143,"direction":8},[2144,2150],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2145,"direction":8,"headerState":25,"backgroundColor":8},[2146],{"type":38,"format":24,"indent":25,"version":26,"children":2147,"direction":8,"textStyle":24,"textFormat":26},[2148],{"mode":33,"text":2149,"type":35,"style":24,"detail":25,"format":26,"version":26},"Keep a record",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2151,"direction":8,"headerState":25,"backgroundColor":8},[2152],{"type":38,"format":24,"indent":25,"version":26,"children":2153,"direction":8,"textStyle":24,"textFormat":25},[2154],{"mode":33,"text":2155,"type":35,"style":24,"detail":25,"format":25,"version":26},"Budget worksheet and decision checklist",{"type":234,"format":24,"indent":25,"version":26,"children":2157,"direction":8},[2158,2164],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2159,"direction":8,"headerState":25,"backgroundColor":8},[2160],{"type":38,"format":24,"indent":25,"version":26,"children":2161,"direction":8,"textStyle":24,"textFormat":26},[2162],{"mode":33,"text":2163,"type":35,"style":24,"detail":25,"format":26,"version":26},"Find answers",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2165,"direction":8,"headerState":25,"backgroundColor":8},[2166],{"type":38,"format":24,"indent":25,"version":26,"children":2167,"direction":8,"textStyle":24,"textFormat":25},[2168],{"mode":33,"text":2169,"type":35,"style":24,"detail":25,"format":25,"version":26},"Common questions, terms and important information",{"type":234,"format":24,"indent":25,"version":26,"children":2171,"direction":8},[2172,2178],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2173,"direction":8,"headerState":25,"backgroundColor":8},[2174],{"type":38,"format":24,"indent":25,"version":26,"children":2175,"direction":8,"textStyle":24,"textFormat":26},[2176],{"mode":33,"text":2177,"type":35,"style":24,"detail":25,"format":26,"version":26},"Check details",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2179,"direction":8,"headerState":25,"backgroundColor":8},[2180],{"type":38,"format":24,"indent":25,"version":26,"children":2181,"direction":8,"textStyle":24,"textFormat":25},[2182],{"mode":33,"text":2183,"type":35,"style":24,"detail":25,"format":25,"version":26},"Official sources and useful contacts",[2185,2186],183,424,{"type":38,"format":24,"indent":25,"version":26,"children":2188,"direction":8,"textStyle":24,"textFormat":25},[],{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2190,"direction":8},[2191],{"mode":33,"text":2192,"type":35,"style":24,"detail":25,"format":25,"version":26},"The main stages are different",{"type":38,"format":24,"indent":25,"version":26,"children":2194,"direction":8,"textStyle":24,"textFormat":25},[2195,2197,2198],{"mode":33,"text":2196,"type":35,"style":24,"detail":25,"format":25,"version":26},"Approval in principle  →  Property search  →  Sale agreed",{"type":737,"version":26},{"mode":33,"text":2199,"type":35,"style":24,"detail":25,"format":25,"version":26},"Checks and formal loan offer  →  Binding contracts  →  Closing and keys",{"type":38,"format":24,"indent":25,"version":26,"children":2201,"direction":8,"textStyle":24,"textFormat":25},[2202],{"mode":33,"text":2203,"type":35,"style":24,"detail":25,"format":25,"version":26},"Approval in principle is conditional. Sale agreed is generally not a binding purchase in a normal private-treaty sale. Ask your solicitor to confirm precisely when you become legally committed. Do not treat a target moving date as certain until the completion arrangements are confirmed.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2205,"direction":8},[2206],{"mode":33,"text":2207,"type":35,"style":24,"detail":25,"format":25,"version":26},"1  WORK BACKWARDS FROM AFFORDABLE MONTHLY COSTS",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2209,"direction":8},[2210],{"mode":33,"text":2211,"type":35,"style":24,"detail":25,"format":25,"version":26},"Set a budget that includes living there",{"type":38,"format":24,"indent":25,"version":26,"children":2213,"direction":8,"textStyle":24,"textFormat":25},[2214],{"mode":33,"text":2215,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start with reliable take-home income and ordinary spending, including childcare, transport, debt repayments and irregular bills. Estimate what will change after the move. A cheaper property with a longer commute can cost more each month than you expect.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2217,"direction":8},[2218],{"mode":33,"text":2219,"type":35,"style":24,"detail":25,"format":25,"version":26},"Test the ongoing cost",{"type":38,"format":24,"indent":25,"version":26,"children":2221,"direction":8,"textStyle":24,"textFormat":25},[2222],{"mode":33,"text":2223,"type":35,"style":24,"detail":25,"format":25,"version":26},"Add the proposed mortgage payment, buildings and contents insurance, mortgage protection where required, Local Property Tax, utilities, waste collection and any management fee. Allow for maintenance and replacement of appliances. Keep an emergency reserve outside the money committed to the purchase.",{"type":38,"format":24,"indent":25,"version":26,"children":2225,"direction":8,"textStyle":24,"textFormat":25},[2226],{"mode":33,"text":2227,"type":35,"style":24,"detail":25,"format":25,"version":26},"Try living with the proposed housing budget while saving. Rent and regular savings may help demonstrate repayment capacity, but the lender decides what evidence it accepts. Test the budget again with higher mortgage payments, an income interruption or new family costs. There is no single repayment percentage that is right for everyone.",{"type":38,"format":24,"indent":25,"version":26,"children":2229,"direction":8,"textStyle":24,"textFormat":25},[2230],{"mode":33,"text":2231,"type":35,"style":24,"detail":25,"format":25,"version":26},"The deposit is only one part of the cash required",{"type":231,"format":24,"indent":25,"version":26,"children":2233,"colWidths":2360,"direction":8},[2234,2248,2262,2276,2290,2304,2318,2332,2346],{"type":234,"format":24,"indent":25,"version":26,"children":2235,"direction":8},[2236,2242],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2237,"direction":8,"headerState":26,"backgroundColor":8},[2238],{"type":38,"format":24,"indent":25,"version":26,"children":2239,"direction":8,"textStyle":24,"textFormat":26},[2240],{"mode":33,"text":2241,"type":35,"style":24,"detail":25,"format":26,"version":26},"Illustrative second-hand purchase",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2243,"direction":8,"headerState":26,"backgroundColor":8},[2244],{"type":38,"format":24,"indent":25,"version":26,"children":2245,"direction":8,"textStyle":24,"textFormat":26},[2246],{"mode":33,"text":2247,"type":35,"style":24,"detail":25,"format":26,"version":26},"Amount",{"type":234,"format":24,"indent":25,"version":26,"children":2249,"direction":8},[2250,2256],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2251,"direction":8,"headerState":25,"backgroundColor":8},[2252],{"type":38,"format":24,"indent":25,"version":26,"children":2253,"direction":8,"textStyle":24,"textFormat":25},[2254],{"mode":33,"text":2255,"type":35,"style":24,"detail":25,"format":25,"version":26},"Purchase price",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2257,"direction":8,"headerState":25,"backgroundColor":8},[2258],{"type":38,"format":24,"indent":25,"version":26,"children":2259,"direction":8,"textStyle":24,"textFormat":25},[2260],{"mode":33,"text":2261,"type":35,"style":24,"detail":25,"format":25,"version":26},"€320,000",{"type":234,"format":24,"indent":25,"version":26,"children":2263,"direction":8},[2264,2270],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2265,"direction":8,"headerState":25,"backgroundColor":8},[2266],{"type":38,"format":24,"indent":25,"version":26,"children":2267,"direction":8,"textStyle":24,"textFormat":25},[2268],{"mode":33,"text":2269,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage assumed for this example",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2271,"direction":8,"headerState":25,"backgroundColor":8},[2272],{"type":38,"format":24,"indent":25,"version":26,"children":2273,"direction":8,"textStyle":24,"textFormat":25},[2274],{"mode":33,"text":2275,"type":35,"style":24,"detail":25,"format":25,"version":26},"€288,000",{"type":234,"format":24,"indent":25,"version":26,"children":2277,"direction":8},[2278,2284],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2279,"direction":8,"headerState":25,"backgroundColor":8},[2280],{"type":38,"format":24,"indent":25,"version":26,"children":2281,"direction":8,"textStyle":24,"textFormat":25},[2282],{"mode":33,"text":2283,"type":35,"style":24,"detail":25,"format":25,"version":26},"Buyer deposit at 10%",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2285,"direction":8,"headerState":25,"backgroundColor":8},[2286],{"type":38,"format":24,"indent":25,"version":26,"children":2287,"direction":8,"textStyle":24,"textFormat":25},[2288],{"mode":33,"text":2289,"type":35,"style":24,"detail":25,"format":25,"version":26},"€32,000",{"type":234,"format":24,"indent":25,"version":26,"children":2291,"direction":8},[2292,2298],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2293,"direction":8,"headerState":25,"backgroundColor":8},[2294],{"type":38,"format":24,"indent":25,"version":26,"children":2295,"direction":8,"textStyle":24,"textFormat":25},[2296],{"mode":33,"text":2297,"type":35,"style":24,"detail":25,"format":25,"version":26},"Stamp duty at 1%",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2299,"direction":8,"headerState":25,"backgroundColor":8},[2300],{"type":38,"format":24,"indent":25,"version":26,"children":2301,"direction":8,"textStyle":24,"textFormat":25},[2302],{"mode":33,"text":2303,"type":35,"style":24,"detail":25,"format":25,"version":26},"€3,200",{"type":234,"format":24,"indent":25,"version":26,"children":2305,"direction":8},[2306,2312],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2307,"direction":8,"headerState":25,"backgroundColor":8},[2308],{"type":38,"format":24,"indent":25,"version":26,"children":2309,"direction":8,"textStyle":24,"textFormat":25},[2310],{"mode":33,"text":2311,"type":35,"style":24,"detail":25,"format":25,"version":26},"Legal fees and outlays allowance",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2313,"direction":8,"headerState":25,"backgroundColor":8},[2314],{"type":38,"format":24,"indent":25,"version":26,"children":2315,"direction":8,"textStyle":24,"textFormat":25},[2316],{"mode":33,"text":2317,"type":35,"style":24,"detail":25,"format":25,"version":26},"€3,000",{"type":234,"format":24,"indent":25,"version":26,"children":2319,"direction":8},[2320,2326],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2321,"direction":8,"headerState":25,"backgroundColor":8},[2322],{"type":38,"format":24,"indent":25,"version":26,"children":2323,"direction":8,"textStyle":24,"textFormat":25},[2324],{"mode":33,"text":2325,"type":35,"style":24,"detail":25,"format":25,"version":26},"Valuation and survey allowance",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2327,"direction":8,"headerState":25,"backgroundColor":8},[2328],{"type":38,"format":24,"indent":25,"version":26,"children":2329,"direction":8,"textStyle":24,"textFormat":25},[2330],{"mode":33,"text":2331,"type":35,"style":24,"detail":25,"format":25,"version":26},"€800",{"type":234,"format":24,"indent":25,"version":26,"children":2333,"direction":8},[2334,2340],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2335,"direction":8,"headerState":25,"backgroundColor":8},[2336],{"type":38,"format":24,"indent":25,"version":26,"children":2337,"direction":8,"textStyle":24,"textFormat":25},[2338],{"mode":33,"text":2339,"type":35,"style":24,"detail":25,"format":25,"version":26},"Moving and initial work allowance",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2341,"direction":8,"headerState":25,"backgroundColor":8},[2342],{"type":38,"format":24,"indent":25,"version":26,"children":2343,"direction":8,"textStyle":24,"textFormat":25},[2344],{"mode":33,"text":2345,"type":35,"style":24,"detail":25,"format":25,"version":26},"€4,000",{"type":234,"format":24,"indent":25,"version":26,"children":2347,"direction":8},[2348,2354],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2349,"direction":8,"headerState":25,"backgroundColor":8},[2350],{"type":38,"format":24,"indent":25,"version":26,"children":2351,"direction":8,"textStyle":24,"textFormat":25},[2352],{"mode":33,"text":2353,"type":35,"style":24,"detail":25,"format":25,"version":26},"Total buyer cash before emergency reserve",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2355,"direction":8,"headerState":25,"backgroundColor":8},[2356],{"type":38,"format":24,"indent":25,"version":26,"children":2357,"direction":8,"textStyle":24,"textFormat":25},[2358],{"mode":33,"text":2359,"type":35,"style":24,"detail":25,"format":25,"version":26},"€43,000",[2361,2362],331,128,{"type":38,"format":24,"indent":25,"version":26,"children":2364,"direction":8,"textStyle":24,"textFormat":25},[2365],{"mode":33,"text":2366,"type":35,"style":24,"detail":25,"format":25,"version":26},"The allowances are fictional planning figures, not market quotations. They exclude ongoing insurance premiums and any additional works or unusual costs. Obtain written quotes, including VAT and outlays. The mortgage amount is not an approval.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2368,"direction":8},[2369],{"mode":33,"text":2370,"type":35,"style":24,"detail":25,"format":25,"version":26},"Avoid counting the same deposit twice",{"type":38,"format":24,"indent":25,"version":26,"children":2372,"direction":8,"textStyle":24,"textFormat":25},[2373],{"mode":33,"text":2374,"type":35,"style":24,"detail":25,"format":25,"version":26},"A booking deposit and the later contract deposit normally form part of your total purchase deposit. They are not automatically extra amounts on top of it. Your solicitor should confirm the payment schedule and total funds required.",{"type":38,"format":24,"indent":25,"version":26,"children":2376,"direction":8,"textStyle":24,"textFormat":25},[2377],{"mode":33,"text":2378,"type":35,"style":24,"detail":25,"format":25,"version":26},"For ordinary residential purchases, stamp duty is generally 1% on the first €1 million, 2% on the next €500,000 and 6% on the balance above €1.5 million. Special rules can apply. Your solicitor should calculate the taxable amount, particularly for new builds, sites or mixed-use property. [1]",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2380,"direction":8},[2381],{"mode":33,"text":2382,"type":35,"style":24,"detail":25,"format":25,"version":26},"2  SEPARATE THE RULES FROM YOUR OWN APPROVAL",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2384,"direction":8},[2385],{"mode":33,"text":2386,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understand how much you may borrow",{"type":38,"format":24,"indent":25,"version":26,"children":2388,"direction":8,"textStyle":24,"textFormat":25},[2389],{"mode":33,"text":2390,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish mortgage lending is subject to Central Bank limits and the lender’s assessment of your circumstances. Meeting a headline limit does not mean you will be approved for that amount.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2392,"direction":8},[2393],{"mode":33,"text":2394,"type":35,"style":24,"detail":25,"format":25,"version":26},"The two main limits for first-time buyers",{"type":38,"format":24,"indent":25,"version":26,"children":2396,"direction":8,"textStyle":24,"textFormat":25},[2397],{"mode":33,"text":2398,"type":35,"style":24,"detail":25,"format":25,"version":26},"The standard loan-to-income limit for a first-time buyer is four times gross annual income. Gross means before tax. For joint borrowers, the lender assesses the income it accepts from both applicants. Variable pay, overtime or business income may receive different treatment from basic salary. [2]",{"type":38,"format":24,"indent":25,"version":26,"children":2400,"direction":8,"textStyle":24,"textFormat":25},[2401],{"mode":33,"text":2402,"type":35,"style":24,"detail":25,"format":25,"version":26},"The standard minimum deposit is 10% of the property value. Lenders generally apply their maximum loan-to-value ratio to the lower of the purchase price and their accepted valuation. If you pay more than the valuation, you may need additional cash. [2]",{"type":38,"format":24,"indent":25,"version":26,"children":2404,"direction":8,"textStyle":24,"textFormat":26},[2405],{"mode":33,"text":2406,"type":35,"style":24,"detail":25,"format":26,"version":26},"Example: Both limits must work",{"type":38,"format":24,"indent":25,"version":26,"children":2408,"direction":8,"textStyle":24,"textFormat":25},[2409],{"mode":33,"text":2410,"type":35,"style":24,"detail":25,"format":25,"version":26},"Aoife and Dara have combined gross income of €80,000. Four times that income is €320,000. On a €350,000 purchase, a 90% mortgage would be €315,000 and the deposit €35,000. The lower figure governs before the lender’s affordability assessment, which could reduce the loan further. Buying costs need separate funding.",{"type":38,"format":24,"indent":25,"version":26,"children":2412,"direction":8,"textStyle":24,"textFormat":26},[2413],{"mode":33,"text":2414,"type":35,"style":24,"detail":25,"format":26,"version":26},"The lender looks beyond income",{"type":38,"format":24,"indent":25,"version":26,"children":2416,"direction":8,"textStyle":24,"textFormat":25},[2417],{"mode":33,"text":2418,"type":35,"style":24,"detail":25,"format":25,"version":26},"Expect questions about existing loans, dependants, living costs, savings, rent, age, employment and credit history. The proposed term and your likely income near retirement matter. The property must also be acceptable security for the loan.",{"type":38,"format":24,"indent":25,"version":26,"children":2420,"direction":8,"textStyle":24,"textFormat":25},[2421],{"mode":33,"text":2422,"type":35,"style":24,"detail":25,"format":25,"version":26},"Lenders can make a limited amount of lending above the standard Central Bank limits. An exception is discretionary, not an entitlement or a safe basis for a purchase budget. First-time buyer definitions can also differ between lending rules and support schemes; confirm your position if either buyer has owned property before.",{"type":38,"format":24,"indent":25,"version":26,"children":2424,"direction":8,"textStyle":24,"textFormat":26},[2425],{"mode":33,"text":2426,"type":35,"style":24,"detail":25,"format":26,"version":26},"Know what approval in principle means",{"type":38,"format":24,"indent":25,"version":26,"children":2428,"direction":8,"textStyle":24,"textFormat":25},[2429],{"mode":33,"text":2430,"type":35,"style":24,"detail":25,"format":25,"version":26},"Approval in principle, often called AIP, is a conditional indication of potential borrowing. Its validity and outstanding checks vary. It is not permission to draw down a mortgage or a guarantee that a particular property will be approved.",{"type":38,"format":24,"indent":25,"version":26,"children":2432,"direction":8,"textStyle":24,"textFormat":25},[2433],{"mode":33,"text":2434,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep your lender or broker informed about changes to employment, borrowing, income or the purchase. Check expiry dates and what is needed for a formal loan offer before making commitments. A property search can outlast an initial approval.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2436,"direction":8},[2437],{"mode":33,"text":2438,"type":35,"style":24,"detail":25,"format":25,"version":26},"3  MAKE THE EVIDENCE EASY TO FOLLOW",{"type":38,"format":24,"indent":25,"version":26,"children":2440,"direction":8,"textStyle":24,"textFormat":26},[2441],{"mode":33,"text":2442,"type":35,"style":24,"detail":25,"format":26,"version":26},"Build a clear mortgage application",{"type":38,"format":24,"indent":25,"version":26,"children":2444,"direction":8,"textStyle":24,"textFormat":25},[2445],{"mode":33,"text":2446,"type":35,"style":24,"detail":25,"format":25,"version":26},"Request a current checklist from your lender or broker. Requirements differ by lender and employment type, so the list below is a preparation guide rather than a fixed rule about how many months or years to supply.",{"type":231,"format":24,"indent":25,"version":26,"children":2448,"colWidths":2547,"direction":8},[2449,2463,2477,2491,2505,2519,2533],{"type":234,"format":24,"indent":25,"version":26,"children":2450,"direction":8},[2451,2457],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2452,"direction":8,"headerState":26,"backgroundColor":8},[2453],{"type":38,"format":24,"indent":25,"version":26,"children":2454,"direction":8,"textStyle":24,"textFormat":26},[2455],{"mode":33,"text":2456,"type":35,"style":24,"detail":25,"format":26,"version":26},"Area",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2458,"direction":8,"headerState":26,"backgroundColor":8},[2459],{"type":38,"format":24,"indent":25,"version":26,"children":2460,"direction":8,"textStyle":24,"textFormat":26},[2461],{"mode":33,"text":2462,"type":35,"style":24,"detail":25,"format":26,"version":26},"Documents you may be asked for",{"type":234,"format":24,"indent":25,"version":26,"children":2464,"direction":8},[2465,2471],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2466,"direction":8,"headerState":25,"backgroundColor":8},[2467],{"type":38,"format":24,"indent":25,"version":26,"children":2468,"direction":8,"textStyle":24,"textFormat":25},[2469],{"mode":33,"text":2470,"type":35,"style":24,"detail":25,"format":25,"version":26},"Identity and residence",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2472,"direction":8,"headerState":25,"backgroundColor":8},[2473],{"type":38,"format":24,"indent":25,"version":26,"children":2474,"direction":8,"textStyle":24,"textFormat":25},[2475],{"mode":33,"text":2476,"type":35,"style":24,"detail":25,"format":25,"version":26},"Photo identification, proof of address and evidence of residency status where relevant.",{"type":234,"format":24,"indent":25,"version":26,"children":2478,"direction":8},[2479,2485],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2480,"direction":8,"headerState":25,"backgroundColor":8},[2481],{"type":38,"format":24,"indent":25,"version":26,"children":2482,"direction":8,"textStyle":24,"textFormat":25},[2483],{"mode":33,"text":2484,"type":35,"style":24,"detail":25,"format":25,"version":26},"PAYE employment",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2486,"direction":8,"headerState":25,"backgroundColor":8},[2487],{"type":38,"format":24,"indent":25,"version":26,"children":2488,"direction":8,"textStyle":24,"textFormat":25},[2489],{"mode":33,"text":2490,"type":35,"style":24,"detail":25,"format":25,"version":26},"Recent payslips, employment or salary confirmation and Revenue income records.",{"type":234,"format":24,"indent":25,"version":26,"children":2492,"direction":8},[2493,2499],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2494,"direction":8,"headerState":25,"backgroundColor":8},[2495],{"type":38,"format":24,"indent":25,"version":26,"children":2496,"direction":8,"textStyle":24,"textFormat":25},[2497],{"mode":33,"text":2498,"type":35,"style":24,"detail":25,"format":25,"version":26},"Self-employment",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2500,"direction":8,"headerState":25,"backgroundColor":8},[2501],{"type":38,"format":24,"indent":25,"version":26,"children":2502,"direction":8,"textStyle":24,"textFormat":25},[2503],{"mode":33,"text":2504,"type":35,"style":24,"detail":25,"format":25,"version":26},"Recent accounts, tax returns or assessments, confirmation of tax position and business account statements.",{"type":234,"format":24,"indent":25,"version":26,"children":2506,"direction":8},[2507,2513],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2508,"direction":8,"headerState":25,"backgroundColor":8},[2509],{"type":38,"format":24,"indent":25,"version":26,"children":2510,"direction":8,"textStyle":24,"textFormat":25},[2511],{"mode":33,"text":2512,"type":35,"style":24,"detail":25,"format":25,"version":26},"Day-to-day finances",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2514,"direction":8,"headerState":25,"backgroundColor":8},[2515],{"type":38,"format":24,"indent":25,"version":26,"children":2516,"direction":8,"textStyle":24,"textFormat":25},[2517],{"mode":33,"text":2518,"type":35,"style":24,"detail":25,"format":25,"version":26},"Current account, savings, credit card and loan statements, including relevant online or overseas accounts.",{"type":234,"format":24,"indent":25,"version":26,"children":2520,"direction":8},[2521,2527],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2522,"direction":8,"headerState":25,"backgroundColor":8},[2523],{"type":38,"format":24,"indent":25,"version":26,"children":2524,"direction":8,"textStyle":24,"textFormat":25},[2525],{"mode":33,"text":2526,"type":35,"style":24,"detail":25,"format":25,"version":26},"Deposit and repayment capacity",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2528,"direction":8,"headerState":25,"backgroundColor":8},[2529],{"type":38,"format":24,"indent":25,"version":26,"children":2530,"direction":8,"textStyle":24,"textFormat":25},[2531],{"mode":33,"text":2532,"type":35,"style":24,"detail":25,"format":25,"version":26},"Savings history, rent evidence, source of funds and documentation for any family gift or other contribution.",{"type":234,"format":24,"indent":25,"version":26,"children":2534,"direction":8},[2535,2541],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2536,"direction":8,"headerState":25,"backgroundColor":8},[2537],{"type":38,"format":24,"indent":25,"version":26,"children":2538,"direction":8,"textStyle":24,"textFormat":25},[2539],{"mode":33,"text":2540,"type":35,"style":24,"detail":25,"format":25,"version":26},"Other circumstances",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2542,"direction":8,"headerState":25,"backgroundColor":8},[2543],{"type":38,"format":24,"indent":25,"version":26,"children":2544,"direction":8,"textStyle":24,"textFormat":25},[2545],{"mode":33,"text":2546,"type":35,"style":24,"detail":25,"format":25,"version":26},"Details of dependants, maintenance obligations, existing property interests and other material commitments.",[2548,2549],156,375,{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2551,"direction":8},[2552],{"mode":33,"text":2553,"type":35,"style":24,"detail":25,"format":25,"version":26},"Show the source of the deposit",{"type":38,"format":24,"indent":25,"version":26,"children":2555,"direction":8,"textStyle":24,"textFormat":25},[2556],{"mode":33,"text":2557,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep a traceable record of savings and large transfers. If family are helping, disclose whether the money is an outright gift or a repayable loan. A loan affects affordability; a gift may require a signed declaration and evidence of the donor’s funds. Tax and ownership consequences should be checked separately.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2559,"direction":8},[2560],{"mode":33,"text":2561,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check credit information early",{"type":38,"format":24,"indent":25,"version":26,"children":2563,"direction":8,"textStyle":24,"textFormat":25},[2564],{"mode":33,"text":2565,"type":35,"style":24,"detail":25,"format":25,"version":26},"Individuals can request their Central Credit Register report free of charge, subject to fair usage. Review it for errors and raise discrepancies promptly. The register does not issue a credit score or approve loans; lenders make their own decisions. [3]",{"type":38,"format":24,"indent":25,"version":26,"children":2567,"direction":8,"textStyle":24,"textFormat":25},[2568],{"mode":33,"text":2569,"type":35,"style":24,"detail":25,"format":25,"version":26},"Be open about previous arrears or unusual transactions. Do not take on new borrowing or hide commitments to make an application appear stronger. A car loan, credit agreement or employment change between approval and drawdown can affect the result.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2571,"direction":8},[2572],{"mode":33,"text":2573,"type":35,"style":24,"detail":25,"format":25,"version":26},"Create one secure application folder",{"type":38,"format":24,"indent":25,"version":26,"children":2575,"direction":8,"textStyle":24,"textFormat":25},[2576],{"mode":33,"text":2577,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep dated copies of the documents submitted, approvals, lender queries and responses. Record outstanding actions and expiry dates. Use verified secure channels for bank statements, identity documents and personal information.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2579,"direction":8},[2580],{"mode":33,"text":2581,"type":35,"style":24,"detail":25,"format":25,"version":26},"4  UNDERSTAND THE TRADE-OFFS",{"type":38,"format":24,"indent":25,"version":26,"children":2583,"direction":8,"textStyle":24,"textFormat":25},[2584],{"mode":33,"text":2585,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare the mortgage beyond the headline rate",{"type":38,"format":24,"indent":25,"version":26,"children":2587,"direction":8,"textStyle":24,"textFormat":25},[2588],{"mode":33,"text":2589,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare offers using the same loan amount and term. A low opening repayment, a cashback incentive or a familiar provider is not enough to establish which offer suits you.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2591,"direction":8},[2592],{"mode":33,"text":2593,"type":35,"style":24,"detail":25,"format":25,"version":26},"Fixed and variable rates",{"type":38,"format":24,"indent":25,"version":26,"children":2595,"direction":8,"textStyle":24,"textFormat":25},[2596],{"mode":33,"text":2597,"type":35,"style":24,"detail":25,"format":25,"version":26},"A fixed rate generally holds the interest rate steady for an agreed period. It can help with budgeting, but early repayment, switching or larger overpayments may incur charges. Check what happens when the fixed period ends and whether a rate is secured before drawdown.",{"type":38,"format":24,"indent":25,"version":26,"children":2599,"direction":8,"textStyle":24,"textFormat":25},[2600],{"mode":33,"text":2601,"type":35,"style":24,"detail":25,"format":25,"version":26},"A variable rate can change, affecting your payment. It may allow more flexibility, but you must be able to cope with increases. A split mortgage combines rate types under the lender’s terms. A green mortgage may depend on the property’s verified energy rating and other eligibility conditions.",{"type":38,"format":24,"indent":25,"version":26,"children":2603,"direction":8,"textStyle":24,"textFormat":25},[2604],{"mode":33,"text":2605,"type":35,"style":24,"detail":25,"format":25,"version":26},"The term changes both payments and total interest",{"type":231,"format":24,"indent":25,"version":26,"children":2607,"colWidths":2688,"direction":8},[2608,2628,2648,2668],{"type":234,"format":24,"indent":25,"version":26,"children":2609,"direction":8},[2610,2616,2622],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2611,"direction":8,"headerState":26,"backgroundColor":8},[2612],{"type":38,"format":24,"indent":25,"version":26,"children":2613,"direction":8,"textStyle":24,"textFormat":26},[2614],{"mode":33,"text":2615,"type":35,"style":24,"detail":25,"format":26,"version":26},"€280,000 repayment mortgage",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2617,"direction":8,"headerState":26,"backgroundColor":8},[2618],{"type":38,"format":24,"indent":25,"version":26,"children":2619,"direction":8,"textStyle":24,"textFormat":26},[2620],{"mode":33,"text":2621,"type":35,"style":24,"detail":25,"format":26,"version":26},"Monthly payment",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2623,"direction":8,"headerState":26,"backgroundColor":8},[2624],{"type":38,"format":24,"indent":25,"version":26,"children":2625,"direction":8,"textStyle":24,"textFormat":26},[2626],{"mode":33,"text":2627,"type":35,"style":24,"detail":25,"format":26,"version":26},"Total interest",{"type":234,"format":24,"indent":25,"version":26,"children":2629,"direction":8},[2630,2636,2642],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2631,"direction":8,"headerState":25,"backgroundColor":8},[2632],{"type":38,"format":24,"indent":25,"version":26,"children":2633,"direction":8,"textStyle":24,"textFormat":25},[2634],{"mode":33,"text":2635,"type":35,"style":24,"detail":25,"format":25,"version":26},"25 years at an assumed 4%",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2637,"direction":8,"headerState":25,"backgroundColor":8},[2638],{"type":38,"format":24,"indent":25,"version":26,"children":2639,"direction":8,"textStyle":24,"textFormat":25},[2640],{"mode":33,"text":2641,"type":35,"style":24,"detail":25,"format":25,"version":26},"€1,478",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2643,"direction":8,"headerState":25,"backgroundColor":8},[2644],{"type":38,"format":24,"indent":25,"version":26,"children":2645,"direction":8,"textStyle":24,"textFormat":25},[2646],{"mode":33,"text":2647,"type":35,"style":24,"detail":25,"format":25,"version":26},"About €163,383",{"type":234,"format":24,"indent":25,"version":26,"children":2649,"direction":8},[2650,2656,2662],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2651,"direction":8,"headerState":25,"backgroundColor":8},[2652],{"type":38,"format":24,"indent":25,"version":26,"children":2653,"direction":8,"textStyle":24,"textFormat":25},[2654],{"mode":33,"text":2655,"type":35,"style":24,"detail":25,"format":25,"version":26},"30 years at an assumed 4%",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2657,"direction":8,"headerState":25,"backgroundColor":8},[2658],{"type":38,"format":24,"indent":25,"version":26,"children":2659,"direction":8,"textStyle":24,"textFormat":25},[2660],{"mode":33,"text":2661,"type":35,"style":24,"detail":25,"format":25,"version":26},"€1,337",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2663,"direction":8,"headerState":25,"backgroundColor":8},[2664],{"type":38,"format":24,"indent":25,"version":26,"children":2665,"direction":8,"textStyle":24,"textFormat":25},[2666],{"mode":33,"text":2667,"type":35,"style":24,"detail":25,"format":25,"version":26},"About €201,235",{"type":234,"format":24,"indent":25,"version":26,"children":2669,"direction":8},[2670,2676,2682],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2671,"direction":8,"headerState":25,"backgroundColor":8},[2672],{"type":38,"format":24,"indent":25,"version":26,"children":2673,"direction":8,"textStyle":24,"textFormat":25},[2674],{"mode":33,"text":2675,"type":35,"style":24,"detail":25,"format":25,"version":26},"30 years at an assumed 6%",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2677,"direction":8,"headerState":25,"backgroundColor":8},[2678],{"type":38,"format":24,"indent":25,"version":26,"children":2679,"direction":8,"textStyle":24,"textFormat":25},[2680],{"mode":33,"text":2681,"type":35,"style":24,"detail":25,"format":25,"version":26},"€1,679",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2683,"direction":8,"headerState":25,"backgroundColor":8},[2684],{"type":38,"format":24,"indent":25,"version":26,"children":2685,"direction":8,"textStyle":24,"textFormat":25},[2686],{"mode":33,"text":2687,"type":35,"style":24,"detail":25,"format":25,"version":26},"About €324,347",[2689,2690,2691],231,140,176,{"type":38,"format":24,"indent":25,"version":26,"children":2693,"direction":8,"textStyle":24,"textFormat":25},[2694],{"mode":33,"text":2695,"type":35,"style":24,"detail":25,"format":25,"version":26},"Illustrative calculations using monthly capital-and-interest repayments, with the stated rate unchanged for the full term. Rounded payments; interest totals use unrounded payments. Fees, insurance and other costs are excluded. These are not available-rate quotes, APRC figures or predictions. Actual loan calculations may differ.",{"type":38,"format":24,"indent":25,"version":26,"children":2697,"direction":8,"textStyle":24,"textFormat":26},[2698],{"mode":33,"text":2699,"type":35,"style":24,"detail":25,"format":26,"version":26},"Ask for a like-for-like comparison",{"type":38,"format":24,"indent":25,"version":26,"children":2701,"direction":8,"textStyle":24,"textFormat":25},[2702],{"mode":33,"text":2703,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review the Annual Percentage Rate of Charge, or APRC, and the European Standardised Information Sheet, or ESIS. APRC helps compare overall borrowing costs under stated assumptions; it does not predict future variable rates. Ask which costs are excluded and compare the total amount repayable.",{"type":38,"format":24,"indent":25,"version":26,"children":2705,"direction":8,"textStyle":24,"textFormat":25},[2706],{"mode":33,"text":2707,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check cashback conditions, overpayment limits, break charges, fees, the rate after an introductory period and any requirements to hold other products. If using a broker, ask which lenders they cover, what you pay, how they are remunerated and what service continues after approval.",{"type":38,"format":24,"indent":25,"version":26,"children":2709,"direction":8,"textStyle":24,"textFormat":26},[2710],{"mode":33,"text":2711,"type":35,"style":24,"detail":25,"format":26,"version":26},"Test a payment you would find uncomfortable",{"type":38,"format":24,"indent":25,"version":26,"children":2713,"direction":8,"textStyle":24,"textFormat":25},[2714],{"mode":33,"text":2715,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not choose a longer term only because the first payment is lower. Consider the extra interest, your age at the end of the loan and whether your budget can absorb a higher payment later.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2717,"direction":8},[2718],{"mode":33,"text":2719,"type":35,"style":24,"detail":25,"format":25,"version":26},"5  CONFIRM THE SCHEME BEFORE RELYING ON IT",{"type":38,"format":24,"indent":25,"version":26,"children":2721,"direction":8,"textStyle":24,"textFormat":25},[2722],{"mode":33,"text":2723,"type":35,"style":24,"detail":25,"format":25,"version":26},"Explore supports without assuming eligibility",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2725,"direction":8},[2726],{"mode":33,"text":2727,"type":35,"style":24,"detail":25,"format":25,"version":26},"Help to Buy",{"type":38,"format":24,"indent":25,"version":26,"children":2729,"direction":8,"textStyle":24,"textFormat":25},[2730],{"mode":33,"text":2731,"type":35,"style":24,"detail":25,"format":25,"version":26},"Help to Buy is a tax refund for eligible first-time buyers purchasing or self-building a qualifying new home. The enhanced amount is the lowest of €35,000, 10% of the qualifying value, or the eligible Income Tax and DIRT paid over the previous four years. USC and PRSI are excluded. The current enhanced scheme runs to 31 December 2029. [4]",{"type":38,"format":24,"indent":25,"version":26,"children":2733,"direction":8,"textStyle":24,"textFormat":25},[2734],{"mode":33,"text":2735,"type":35,"style":24,"detail":25,"format":25,"version":26},"The qualifying property value must generally be no more than €500,000 and the qualifying mortgage at least 70% of that value. It is not a general support for second-hand purchases. Buyer eligibility, tax compliance and occupation conditions apply; a refund can be clawed back if conditions are not met. Check Revenue’s rules before signing. [5]",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2737,"direction":8},[2738],{"mode":33,"text":2739,"type":35,"style":24,"detail":25,"format":25,"version":26},"First Home Scheme",{"type":38,"format":24,"indent":25,"version":26,"children":2741,"direction":8,"textStyle":24,"textFormat":25},[2742],{"mode":33,"text":2743,"type":35,"style":24,"detail":25,"format":25,"version":26},"This provides eligible buyers with shared-equity funding, rather than a grant. Funding can be up to 30% of the qualifying purchase price or build cost, reduced to 20% where Help to Buy is used. Participating lenders, borrowing requirements and local property price ceilings apply. Routes include eligible new builds, self-builds and a specific tenant purchase route; ordinary second-hand purchases are not generally covered. [6]",{"type":38,"format":24,"indent":25,"version":26,"children":2745,"direction":8,"textStyle":24,"textFormat":25},[2746],{"mode":33,"text":2747,"type":35,"style":24,"detail":25,"format":25,"version":26},"Service charges apply from year six. The cost of buying back the equity share changes with the relevant property value, and sale or other events may trigger repayment. Review those obligations and restrictions with your solicitor and an independent financial adviser. First Home Scheme funding does not count as the mortgage for the Help to Buy 70% test. [5, 6]",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2749,"direction":8},[2750],{"mode":33,"text":2751,"type":35,"style":24,"detail":25,"format":25,"version":26},"Local authority routes",{"type":38,"format":24,"indent":25,"version":26,"children":2753,"direction":8,"textStyle":24,"textFormat":25},[2754],{"mode":33,"text":2755,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Local Authority Home Loan is a mortgage option for eligible applicants unable to obtain sufficient finance from commercial lenders. Income, property, credit and repayment criteria apply. Check the current requirements with the local authority. [7]",{"type":38,"format":24,"indent":25,"version":26,"children":2757,"direction":8,"textStyle":24,"textFormat":25},[2758],{"mode":33,"text":2759,"type":35,"style":24,"detail":25,"format":25,"version":26},"Local Authority Affordable Purchase makes specified homes available at a reduced purchase price in return for an equity interest. Availability, allocation and repayment conditions differ from an ordinary purchase. It is distinct from the First Home Scheme. [8]",{"type":38,"format":24,"indent":25,"version":26,"children":2761,"direction":8,"textStyle":24,"textFormat":26},[2762],{"mode":33,"text":2763,"type":35,"style":24,"detail":25,"format":26,"version":26},"Use only confirmed funding in your purchase plan",{"type":38,"format":24,"indent":25,"version":26,"children":2765,"direction":8,"textStyle":24,"textFormat":25},[2766],{"mode":33,"text":2767,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check the exact property, all joint applicants, application deadlines, occupation rules and permitted combinations. Approval under one scheme does not establish eligibility for another. Grants for renovation or energy upgrades also have separate conditions and may not fund the purchase itself.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2769,"direction":8},[2770],{"mode":33,"text":2771,"type":35,"style":24,"detail":25,"format":25,"version":26},"6  DEFINE WHAT NEEDS TO WORK EVERY DAY",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2773,"direction":8},[2774],{"mode":33,"text":2775,"type":35,"style":24,"detail":25,"format":25,"version":26},"Choose the home before chasing the listing",{"type":38,"format":24,"indent":25,"version":26,"children":2777,"direction":8,"textStyle":24,"textFormat":25},[2778],{"mode":33,"text":2779,"type":35,"style":24,"detail":25,"format":25,"version":26},"A useful shortlist starts with practical requirements. Decide what is essential now, what could change in a few years and what you would be willing to improve. A property can be attractive without fitting your budget or daily routine.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2781,"direction":8},[2782],{"mode":33,"text":2783,"type":35,"style":24,"detail":25,"format":25,"version":26},"Use three categories",{"type":38,"format":24,"indent":25,"version":26,"children":2785,"direction":8,"textStyle":24,"textFormat":25},[2786],{"mode":33,"text":2787,"type":35,"style":24,"detail":25,"format":25,"version":26},"Essentials might include an affordable commute, a ground-floor room, access to family support or enough space for work. Preferences might include a particular layout, parking or garden orientation. Improvements might include decoration, storage or a future extension, but only where cost and permissions make them realistic.",{"type":38,"format":24,"indent":25,"version":26,"children":2789,"direction":8,"textStyle":24,"textFormat":25},[2790],{"mode":33,"text":2791,"type":35,"style":24,"detail":25,"format":25,"version":26},"Consider the whole area at different times. Walk the route to transport, check actual travel times and investigate broadband availability. Look at noise, lighting, traffic, local services and planned development. Proximity to a school does not guarantee a place.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2793,"direction":8},[2794],{"mode":33,"text":2795,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare asking prices with evidence",{"type":38,"format":24,"indent":25,"version":26,"children":2797,"direction":8,"textStyle":24,"textFormat":25},[2798],{"mode":33,"text":2799,"type":35,"style":24,"detail":25,"format":25,"version":26},"The asking price is a marketing figure, not a valuation. Check completed sales through the Residential Property Price Register and compare genuinely similar homes. Its entries need context: condition, size, transaction date and whether the recorded amount excludes VAT can affect a comparison. [9]",{"type":38,"format":24,"indent":25,"version":26,"children":2801,"direction":8,"textStyle":24,"textFormat":25},[2802],{"mode":33,"text":2803,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep your bidding limit separate from the advertised price. Set it using your approved finance, cash budget, professional advice and any work needed. Extra borrowing capacity is not a reason to spend it all.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2805,"direction":8},[2806],{"mode":33,"text":2807,"type":35,"style":24,"detail":25,"format":25,"version":26},"Choose between new and existing homes deliberately",{"type":38,"format":24,"indent":25,"version":26,"children":2809,"direction":8,"textStyle":24,"textFormat":25},[2810],{"mode":33,"text":2811,"type":35,"style":24,"detail":25,"format":25,"version":26},"A new home may offer modern energy performance and less immediate work, but specification, completion timing and estate charges need scrutiny. An existing home lets you assess an established building and neighbourhood, but repairs and upgrades may be significant. Neither category removes the need for independent checks.",{"type":38,"format":24,"indent":25,"version":26,"children":2813,"direction":8,"textStyle":24,"textFormat":26},[2814],{"mode":33,"text":2815,"type":35,"style":24,"detail":25,"format":26,"version":26},"A workable search record",{"type":38,"format":24,"indent":25,"version":26,"children":2817,"direction":8,"textStyle":24,"textFormat":25},[2818],{"mode":33,"text":2819,"type":35,"style":24,"detail":25,"format":25,"version":26},"For each property, record the address, price, floor area, BER, travel time, service charges, immediate work and unanswered questions. Photograph or measure with permission. Use the same criteria each time so presentation does not overshadow suitability.",{"type":38,"format":24,"indent":25,"version":26,"children":2821,"direction":8,"textStyle":24,"textFormat":25},[2822],{"mode":33,"text":2823,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not assume a future extension, attic conversion or rental arrangement will be permitted. Ask your solicitor and technical adviser about restrictions before allowing an unconfirmed possibility to influence the price.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2825,"direction":8},[2826],{"mode":33,"text":2827,"type":35,"style":24,"detail":25,"format":25,"version":26},"7  NOTICE ISSUES AND RECORD QUESTIONS",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2829,"direction":8},[2830],{"mode":33,"text":2831,"type":35,"style":24,"detail":25,"format":25,"version":26},"Make every viewing useful",{"type":38,"format":24,"indent":25,"version":26,"children":2833,"direction":8,"textStyle":24,"textFormat":25},[2834],{"mode":33,"text":2835,"type":35,"style":24,"detail":25,"format":25,"version":26},"A viewing helps you decide whether to investigate a property further. It is not a substitute for a professional inspection. Bring your checklist, take notes and arrange another visit if an important point remains unclear.",{"type":231,"format":24,"indent":25,"version":26,"children":2837,"colWidths":2934,"direction":8},[2838,2851,2865,2879,2892,2906,2920],{"type":234,"format":24,"indent":25,"version":26,"children":2839,"direction":8},[2840,2845],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2841,"direction":8,"headerState":26,"backgroundColor":8},[2842],{"type":38,"format":24,"indent":25,"version":26,"children":2843,"direction":8,"textStyle":24,"textFormat":26},[2844],{"mode":33,"text":2456,"type":35,"style":24,"detail":25,"format":26,"version":26},{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2846,"direction":8,"headerState":26,"backgroundColor":8},[2847],{"type":38,"format":24,"indent":25,"version":26,"children":2848,"direction":8,"textStyle":24,"textFormat":26},[2849],{"mode":33,"text":2850,"type":35,"style":24,"detail":25,"format":26,"version":26},"What to observe or ask",{"type":234,"format":24,"indent":25,"version":26,"children":2852,"direction":8},[2853,2859],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2854,"direction":8,"headerState":25,"backgroundColor":8},[2855],{"type":38,"format":24,"indent":25,"version":26,"children":2856,"direction":8,"textStyle":24,"textFormat":25},[2857],{"mode":33,"text":2858,"type":35,"style":24,"detail":25,"format":25,"version":26},"Outside",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2860,"direction":8,"headerState":25,"backgroundColor":8},[2861],{"type":38,"format":24,"indent":25,"version":26,"children":2862,"direction":8,"textStyle":24,"textFormat":25},[2863],{"mode":33,"text":2864,"type":35,"style":24,"detail":25,"format":25,"version":26},"Roof condition from ground level, gutters, drainage, visible cracking, boundaries, access and parking rights.",{"type":234,"format":24,"indent":25,"version":26,"children":2866,"direction":8},[2867,2873],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2868,"direction":8,"headerState":25,"backgroundColor":8},[2869],{"type":38,"format":24,"indent":25,"version":26,"children":2870,"direction":8,"textStyle":24,"textFormat":25},[2871],{"mode":33,"text":2872,"type":35,"style":24,"detail":25,"format":25,"version":26},"Inside",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2874,"direction":8,"headerState":25,"backgroundColor":8},[2875],{"type":38,"format":24,"indent":25,"version":26,"children":2876,"direction":8,"textStyle":24,"textFormat":25},[2877],{"mode":33,"text":2878,"type":35,"style":24,"detail":25,"format":25,"version":26},"Signs of damp or leaks, uneven floors, ventilation, natural light, storage and usable room dimensions.",{"type":234,"format":24,"indent":25,"version":26,"children":2880,"direction":8},[2881,2886],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2882,"direction":8,"headerState":25,"backgroundColor":8},[2883],{"type":38,"format":24,"indent":25,"version":26,"children":2884,"direction":8,"textStyle":24,"textFormat":25},[2885],{"mode":33,"text":17,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2887,"direction":8,"headerState":25,"backgroundColor":8},[2888],{"type":38,"format":24,"indent":25,"version":26,"children":2889,"direction":8,"textStyle":24,"textFormat":25},[2890],{"mode":33,"text":2891,"type":35,"style":24,"detail":25,"format":25,"version":26},"Heating age and servicing, water pressure, electrical installation, broadband, waste arrangements and meter locations.",{"type":234,"format":24,"indent":25,"version":26,"children":2893,"direction":8},[2894,2900],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2895,"direction":8,"headerState":25,"backgroundColor":8},[2896],{"type":38,"format":24,"indent":25,"version":26,"children":2897,"direction":8,"textStyle":24,"textFormat":25},[2898],{"mode":33,"text":2899,"type":35,"style":24,"detail":25,"format":25,"version":26},"Energy",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2901,"direction":8,"headerState":25,"backgroundColor":8},[2902],{"type":38,"format":24,"indent":25,"version":26,"children":2903,"direction":8,"textStyle":24,"textFormat":25},[2904],{"mode":33,"text":2905,"type":35,"style":24,"detail":25,"format":25,"version":26},"BER certificate and advisory report, insulation, heating controls and likely upgrade needs.",{"type":234,"format":24,"indent":25,"version":26,"children":2907,"direction":8},[2908,2914],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2909,"direction":8,"headerState":25,"backgroundColor":8},[2910],{"type":38,"format":24,"indent":25,"version":26,"children":2911,"direction":8,"textStyle":24,"textFormat":25},[2912],{"mode":33,"text":2913,"type":35,"style":24,"detail":25,"format":25,"version":26},"Practical use",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2915,"direction":8,"headerState":25,"backgroundColor":8},[2916],{"type":38,"format":24,"indent":25,"version":26,"children":2917,"direction":8,"textStyle":24,"textFormat":25},[2918],{"mode":33,"text":2919,"type":35,"style":24,"detail":25,"format":25,"version":26},"Noise between rooms or adjoining homes, accessibility, stairs, outdoor space and the daily commute.",{"type":234,"format":24,"indent":25,"version":26,"children":2921,"direction":8},[2922,2928],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2923,"direction":8,"headerState":25,"backgroundColor":8},[2924],{"type":38,"format":24,"indent":25,"version":26,"children":2925,"direction":8,"textStyle":24,"textFormat":25},[2926],{"mode":33,"text":2927,"type":35,"style":24,"detail":25,"format":25,"version":26},"Sale details",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":2929,"direction":8,"headerState":25,"backgroundColor":8},[2930],{"type":38,"format":24,"indent":25,"version":26,"children":2931,"direction":8,"textStyle":24,"textFormat":25},[2932],{"mode":33,"text":2933,"type":35,"style":24,"detail":25,"format":25,"version":26},"What is included, occupancy, likely timeline, known defects, alterations and any management charges.",[2690,2935],427,{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2937,"direction":8},[2938],{"mode":33,"text":2939,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask about the things you cannot see",{"type":38,"format":24,"indent":25,"version":26,"children":2941,"direction":8,"textStyle":24,"textFormat":25},[2942],{"mode":33,"text":2943,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask whether extensions or conversions have the necessary documentation, whether flooding or insurance claims have occurred and whether there are known structural or fire-safety issues. Record the answers and pass them to your advisers. An agent’s answer is not a substitute for legal or technical verification.",{"type":38,"format":24,"indent":25,"version":26,"children":2945,"direction":8,"textStyle":24,"textFormat":25},[2946],{"mode":33,"text":2947,"type":35,"style":24,"detail":25,"format":25,"version":26},"For rural homes, ask about private water supplies, wastewater systems, shared access and rights over adjoining land. Testing, servicing or specialist reports may be needed. For older homes, consider whether protected-structure status or an architectural conservation area affects changes you hope to make.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2949,"direction":8},[2950],{"mode":33,"text":2951,"type":35,"style":24,"detail":25,"format":25,"version":26},"Read the energy information properly",{"type":38,"format":24,"indent":25,"version":26,"children":2953,"direction":8,"textStyle":24,"textFormat":25},[2954],{"mode":33,"text":2955,"type":35,"style":24,"detail":25,"format":25,"version":26},"The seller generally needs to make a valid Building Energy Rating certificate and advisory report available, subject to exemptions. These indicate assessed energy performance and possible improvements; they are not a structural survey or a guarantee of your bills. Ask a competent professional to cost relevant upgrades. [10]",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2957,"direction":8},[2958],{"mode":33,"text":2959,"type":35,"style":24,"detail":25,"format":25,"version":26},"Leave with three answers",{"type":38,"format":24,"indent":25,"version":26,"children":2961,"direction":8,"textStyle":24,"textFormat":25},[2962],{"mode":33,"text":2963,"type":35,"style":24,"detail":25,"format":25,"version":26},"Would this home work for everyday life? ",{"type":38,"format":24,"indent":25,"version":26,"children":2965,"direction":8,"textStyle":24,"textFormat":25},[2966],{"mode":33,"text":2967,"type":35,"style":24,"detail":25,"format":25,"version":26},"What could make it more expensive than it appears? ",{"type":38,"format":24,"indent":25,"version":26,"children":2969,"direction":8,"textStyle":24,"textFormat":25},[2970],{"mode":33,"text":2971,"type":35,"style":24,"detail":25,"format":25,"version":26},"Which questions must be resolved before I commit?",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":2973,"direction":8},[2974],{"mode":33,"text":2975,"type":35,"style":24,"detail":25,"format":25,"version":26},"8  VALUATION SURVEY AND LEGAL REVIEW DO DIFFERENT JOBS",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":2977,"direction":8},[2978],{"mode":33,"text":2979,"type":35,"style":24,"detail":25,"format":25,"version":26},"Commission the checks that protect your decision",{"type":38,"format":24,"indent":25,"version":26,"children":2981,"direction":8,"textStyle":24,"textFormat":26},[2982],{"mode":33,"text":2983,"type":35,"style":24,"detail":25,"format":26,"version":26},"A lender valuation",{"type":38,"format":24,"indent":25,"version":26,"children":2985,"direction":8,"textStyle":24,"textFormat":25},[2986],{"mode":33,"text":2987,"type":35,"style":24,"detail":25,"format":25,"version":26},"A valuation helps the lender assess the property as security for the mortgage. The lender may specify the valuer and the period for which the report is valid. It is not a detailed assessment of condition and should not be treated as one.",{"type":38,"format":24,"indent":25,"version":26,"children":2989,"direction":8,"textStyle":24,"textFormat":26},[2990],{"mode":33,"text":2991,"type":35,"style":24,"detail":25,"format":26,"version":26},"An independent survey",{"type":38,"format":24,"indent":25,"version":26,"children":2993,"direction":8,"textStyle":24,"textFormat":25},[2994],{"mode":33,"text":2995,"type":35,"style":24,"detail":25,"format":25,"version":26},"Arrange a suitable inspection by a qualified, insured building surveyor or engineer before becoming legally committed. Agree the scope and limitations. Ask the surveyor to identify urgent defects, further investigations and likely repair priorities. A visual survey may not reveal concealed problems or fully test services.",{"type":38,"format":24,"indent":25,"version":26,"children":2997,"direction":8,"textStyle":24,"textFormat":25},[2998],{"mode":33,"text":2999,"type":35,"style":24,"detail":25,"format":25,"version":26},"Use specialist advice where the property warrants it, including damp, drainage, electrical, fire-safety or structural investigations. Ask about relevant risks such as defective concrete blocks or pyrite where the location, construction or evidence gives cause for concern. Obtain realistic quotations before treating a repair as affordable.",{"type":38,"format":24,"indent":25,"version":26,"children":3001,"direction":8,"textStyle":24,"textFormat":26},[3002],{"mode":33,"text":3003,"type":35,"style":24,"detail":25,"format":26,"version":26},"Extra checks for apartments and managed estates",{"type":38,"format":24,"indent":25,"version":26,"children":3005,"direction":8,"textStyle":24,"textFormat":25},[3006],{"mode":33,"text":3007,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your solicitor should examine the lease or title, the owners’ management company arrangements and relevant records. Ask about service charges, arrears, the sinking fund, insurance, planned major works, defects, litigation and fire-safety issues. Clarify parking, storage and restrictions on use. A low annual charge can conceal inadequate reserves.",{"type":38,"format":24,"indent":25,"version":26,"children":3009,"direction":8,"textStyle":24,"textFormat":25},[3010],{"mode":33,"text":3011,"type":35,"style":24,"detail":25,"format":25,"version":26},"Major remedial work may lead to substantial additional contributions from owners. Do not assume that a grant, insurance claim or developer will pay. Ask your advisers how any unresolved issue affects lending, insurance, future costs and resale.",{"type":38,"format":24,"indent":25,"version":26,"children":3013,"direction":8,"textStyle":24,"textFormat":26},[3014],{"mode":33,"text":3015,"type":35,"style":24,"detail":25,"format":26,"version":26},"Extra checks for new builds",{"type":38,"format":24,"indent":25,"version":26,"children":3017,"direction":8,"textStyle":24,"textFormat":25},[3018],{"mode":33,"text":3019,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review the actual specification, site plan, boundaries and included finishes. Understand the completion provisions and what happens if construction is delayed. Arrange a professional snagging inspection and confirm how defects will be resolved and rechecked. A snag list does not replace structural, legal or completion-document checks.",{"type":38,"format":24,"indent":25,"version":26,"children":3021,"direction":8,"textStyle":24,"textFormat":26},[3022],{"mode":33,"text":3023,"type":35,"style":24,"detail":25,"format":26,"version":26},"Put the reports together",{"type":38,"format":24,"indent":25,"version":26,"children":3025,"direction":8,"textStyle":24,"textFormat":25},[3026],{"mode":33,"text":3027,"type":35,"style":24,"detail":25,"format":25,"version":26},"Give relevant survey findings to your solicitor and lender promptly. A defect may affect the price, insurability, lender conditions or your decision to proceed. Ask for clarification or further investigation before moving past the point where withdrawal has legal consequences.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3029,"direction":8},[3030],{"mode":33,"text":3031,"type":35,"style":24,"detail":25,"format":25,"version":26},"9  KNOW THE SALE METHOD AND THE DEPOSIT TERMS",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3033,"direction":8},[3034],{"mode":33,"text":3035,"type":35,"style":24,"detail":25,"format":25,"version":26},"Make an offer without losing your limit",{"type":38,"format":24,"indent":25,"version":26,"children":3037,"direction":8,"textStyle":24,"textFormat":25},[3038],{"mode":33,"text":3039,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before bidding, confirm your finance position, the cash you can contribute and your maximum price after allowing for costs and likely repairs. Decide the ceiling while you are calm. The desire to finish a long search can otherwise become an expensive reason to increase it.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3041,"direction":8},[3042],{"mode":33,"text":3043,"type":35,"style":24,"detail":25,"format":25,"version":26},"For an ordinary private-treaty sale",{"type":38,"format":24,"indent":25,"version":26,"children":3045,"direction":8,"textStyle":24,"textFormat":25},[3046],{"mode":33,"text":3047,"type":35,"style":24,"detail":25,"format":25,"version":26},"Make the offer through the agent and explain any material conditions, such as finance and satisfactory legal or survey checks. Confirm what is included in the price and the expected timing. Keep a written record of offers and responses. The agent acts for the seller, so use your own advisers for advice.",{"type":38,"format":24,"indent":25,"version":26,"children":3049,"direction":8,"textStyle":24,"textFormat":25},[3050],{"mode":33,"text":3051,"type":35,"style":24,"detail":25,"format":25,"version":26},"When an offer is accepted, the property is usually described as sale agreed. A booking deposit is commonly paid to the agent. Confirm the recipient, obtain a receipt and have your solicitor check the refund terms. In a normal private-treaty sale it is generally refundable before binding contracts, but do not assume every reservation agreement follows that model. [11]",{"type":38,"format":24,"indent":25,"version":26,"children":3053,"direction":8,"textStyle":24,"textFormat":25},[3054],{"mode":33,"text":3055,"type":35,"style":24,"detail":25,"format":25,"version":26},"Sale agreed normally leaves further work before either side is bound. The seller may withdraw or accept another offer, and you may incur survey or legal costs even if the purchase does not complete. Keep progressing the checks without mistaking this stage for ownership.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3057,"direction":8},[3058],{"mode":33,"text":3059,"type":35,"style":24,"detail":25,"format":25,"version":26},"Auctions and online bidding need particular care",{"type":38,"format":24,"indent":25,"version":26,"children":3061,"direction":8,"textStyle":24,"textFormat":25},[3062],{"mode":33,"text":3063,"type":35,"style":24,"detail":25,"format":25,"version":26},"A traditional auction can create a binding contract when the successful bid is accepted, with a deposit due immediately. Legal review, survey work and finance must be ready before bidding. An online bidding platform may instead operate as a private-treaty process or use different reservation conditions. Read the actual terms with your solicitor.",{"type":38,"format":24,"indent":25,"version":26,"children":3065,"direction":8,"textStyle":24,"textFormat":26},[3066],{"mode":33,"text":3067,"type":35,"style":24,"detail":25,"format":26,"version":26},"The extra bid test",{"type":38,"format":24,"indent":25,"version":26,"children":3069,"direction":8,"textStyle":24,"textFormat":25},[3070],{"mode":33,"text":3071,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before increasing an offer, update the cash budget and monthly repayment. Check whether the lender’s valuation would support the price. If the additional amount would consume your repair fund or emergency reserve, the higher bid may not be affordable.",{"type":38,"format":24,"indent":25,"version":26,"children":3073,"direction":8,"textStyle":24,"textFormat":25},[3074],{"mode":33,"text":3075,"type":35,"style":24,"detail":25,"format":25,"version":26},"Once the price is agreed",{"type":38,"format":24,"indent":25,"version":26,"children":3077,"direction":8,"textStyle":24,"textFormat":25},[3078],{"mode":33,"text":3079,"type":35,"style":24,"detail":25,"format":25,"version":26},"Give your solicitor and lender the property and agent details. Arrange the valuation and survey, progress the formal loan offer and begin insurance enquiries. Ask for a realistic list of outstanding steps rather than relying on an optimistic moving date.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3081,"direction":8},[3082],{"mode":33,"text":3083,"type":35,"style":24,"detail":25,"format":25,"version":26},"10  USE YOUR SOLICITOR BEFORE YOU SIGN",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3085,"direction":8},[3086],{"mode":33,"text":3087,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understand the legal commitment",{"type":38,"format":24,"indent":25,"version":26,"children":3089,"direction":8,"textStyle":24,"textFormat":25},[3090],{"mode":33,"text":3091,"type":35,"style":24,"detail":25,"format":25,"version":26},"Conveyancing is the legal work needed to transfer ownership and register the lender’s security. Instruct your own solicitor early, obtain a written fee estimate including VAT and outlays, and tell them about any deadline or unusual feature of the purchase.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3093,"direction":8},[3094],{"mode":33,"text":3095,"type":35,"style":24,"detail":25,"format":25,"version":26},"What your solicitor needs to establish",{"type":38,"format":24,"indent":25,"version":26,"children":3097,"direction":8,"textStyle":24,"textFormat":25},[3098],{"mode":33,"text":3099,"type":35,"style":24,"detail":25,"format":25,"version":26},"The review should address ownership, title, boundaries, access, rights and restrictions, planning and building documentation, and the conditions of the sale. Your solicitor should also consider relevant survey findings, management-company matters and the requirements of your mortgage lender.",{"type":38,"format":24,"indent":25,"version":26,"children":3101,"direction":8,"textStyle":24,"textFormat":25},[3102],{"mode":33,"text":3103,"type":35,"style":24,"detail":25,"format":25,"version":26},"Identify what must be supplied or resolved before closing. This may include certificates for alterations, discharge of an existing mortgage, vacant possession or clarification of a shared driveway. A verbal assurance is not a substitute for the necessary documents or contractual protection.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3105,"direction":8},[3106],{"mode":33,"text":3107,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before signing the contract",{"type":38,"format":24,"indent":25,"version":26,"children":3109,"direction":8,"textStyle":24,"textFormat":25},[3110],{"mode":33,"text":3111,"type":35,"style":24,"detail":25,"format":25,"version":26},"Read the contract with your solicitor and ask them to explain the point at which you become bound, the closing date, deposit, penalties and any special conditions. Confirm the formal loan offer is suitable and that you understand all outstanding conditions. Do not assume that signing subject to finance will protect you: the wording and circumstances must be checked.",{"type":38,"format":24,"indent":25,"version":26,"children":3113,"direction":8,"textStyle":24,"textFormat":25},[3114],{"mode":33,"text":3115,"type":35,"style":24,"detail":25,"format":25,"version":26},"Make sure your solicitor understands any support-scheme funding and the timing of its release. If you are dependent on a gift, the sale of another asset or an approval renewal, make that dependency explicit. Withdrawing after a binding contract can cost your deposit and may create further liability.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3117,"direction":8},[3118],{"mode":33,"text":3119,"type":35,"style":24,"detail":25,"format":25,"version":26},"If you are buying with someone else",{"type":38,"format":24,"indent":25,"version":26,"children":3121,"direction":8,"textStyle":24,"textFormat":25},[3122],{"mode":33,"text":3123,"type":35,"style":24,"detail":25,"format":25,"version":26},"Discuss the ownership structure, unequal contributions, responsibility for bills and what happens if one person wants to sell, dies or cannot pay. Ask about a co-ownership agreement and wills where appropriate. Joint borrowers are generally each liable for the full mortgage debt under the loan terms, not simply their intended share.",{"type":38,"format":24,"indent":25,"version":26,"children":3125,"direction":8,"textStyle":24,"textFormat":26},[3126],{"mode":33,"text":3127,"type":35,"style":24,"detail":25,"format":26,"version":26},"Protect the transfer of funds",{"type":38,"format":24,"indent":25,"version":26,"children":3129,"direction":8,"textStyle":24,"textFormat":25},[3130],{"mode":33,"text":3131,"type":35,"style":24,"detail":25,"format":25,"version":26},"Verify bank details directly with your solicitor using a trusted telephone number already held by you. Treat emailed changes of account details as a reason to stop and check. Do not rely on replying to the email or calling a number contained in it.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3133,"direction":8},[3134],{"mode":33,"text":3135,"type":35,"style":24,"detail":25,"format":25,"version":26},"11  MATCH EACH POLICY TO THE RISK",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3137,"direction":8},[3138],{"mode":33,"text":3139,"type":35,"style":24,"detail":25,"format":25,"version":26},"Arrange insurance before it becomes urgent",{"type":38,"format":24,"indent":25,"version":26,"children":3141,"direction":8,"textStyle":24,"textFormat":26},[3142],{"mode":33,"text":3143,"type":35,"style":24,"detail":25,"format":26,"version":26},"Mortgage protection",{"type":38,"format":24,"indent":25,"version":26,"children":3145,"direction":8,"textStyle":24,"textFormat":25},[3146],{"mode":33,"text":3147,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage protection is life cover intended to repay the mortgage if an insured borrower dies, subject to the policy terms. It is generally required for a home mortgage, although legal exceptions exist and lender requirements also matter. Discuss any difficulty obtaining cover early; do not assume an exception guarantees the lender will proceed. [12]",{"type":38,"format":24,"indent":25,"version":26,"children":3149,"direction":8,"textStyle":24,"textFormat":25},[3150],{"mode":33,"text":3151,"type":35,"style":24,"detail":25,"format":25,"version":26},"Health information or medical evidence can take time to assess. Answer questions accurately and check the amount, term, persons insured and policy assignment required by the lender. You can usually compare suitable cover from different providers rather than automatically taking the lender’s policy.",{"type":38,"format":24,"indent":25,"version":26,"children":3153,"direction":8,"textStyle":24,"textFormat":25},[3154],{"mode":33,"text":3155,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage protection is not automatically income protection or unemployment cover. If illness or an income interruption would leave you unable to pay, discuss that separate risk and what your savings, employment benefits or other cover would provide.",{"type":38,"format":24,"indent":25,"version":26,"children":3157,"direction":8,"textStyle":24,"textFormat":26},[3158],{"mode":33,"text":3159,"type":35,"style":24,"detail":25,"format":26,"version":26},"Buildings and contents insurance",{"type":38,"format":24,"indent":25,"version":26,"children":3161,"direction":8,"textStyle":24,"textFormat":25},[3162],{"mode":33,"text":3163,"type":35,"style":24,"detail":25,"format":25,"version":26},"Buildings insurance covers specified damage to the structure under the policy terms. It generally needs to be in place to meet mortgage conditions. Base the insured amount on an appropriate rebuilding-cost assessment, not simply the purchase price or market value. Contents insurance protects belongings and has its own limits and exclusions.",{"type":38,"format":24,"indent":25,"version":26,"children":3165,"direction":8,"textStyle":24,"textFormat":25},[3166],{"mode":33,"text":3167,"type":35,"style":24,"detail":25,"format":25,"version":26},"Obtain an insurance quotation before becoming bound, particularly for a property with flood history, unusual construction, significant defects or a period of vacancy. Confirm the required start date with your solicitor and lender; the risk may pass before the day you collect the keys.",{"type":38,"format":24,"indent":25,"version":26,"children":3169,"direction":8,"textStyle":24,"textFormat":26},[3170],{"mode":33,"text":3171,"type":35,"style":24,"detail":25,"format":26,"version":26},"Apartments and renovation projects",{"type":38,"format":24,"indent":25,"version":26,"children":3173,"direction":8,"textStyle":24,"textFormat":25},[3174],{"mode":33,"text":3175,"type":35,"style":24,"detail":25,"format":25,"version":26},"An apartment may have block buildings insurance arranged through the management company. Your solicitor and lender should confirm its adequacy and the documents required. You may still need contents and other personal cover. Major renovation or an unoccupied home may require specialist terms.",{"type":38,"format":24,"indent":25,"version":26,"children":3177,"direction":8,"textStyle":24,"textFormat":26},[3178],{"mode":33,"text":3179,"type":35,"style":24,"detail":25,"format":26,"version":26},"Confirm the actual cover",{"type":38,"format":24,"indent":25,"version":26,"children":3181,"direction":8,"textStyle":24,"textFormat":25},[3182],{"mode":33,"text":3183,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check excesses, exclusions, flood conditions, unoccupancy limits, accidental damage and any obligations while work is taking place. A policy quotation is not evidence that cover has started. Retain the schedule and written confirmation of the commencement date.",{"type":38,"format":24,"indent":25,"version":26,"children":3185,"direction":8,"textStyle":24,"textFormat":25},[3186],{"mode":33,"text":3187,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review insurance after changes to the property or household. Do not cancel existing cover until any replacement is confirmed and relevant lender requirements have been satisfied.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3189,"direction":8},[3190],{"mode":33,"text":3191,"type":35,"style":24,"detail":25,"format":25,"version":26},"12  CONFIRM THE CONDITIONS AND THE MONEY",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3193,"direction":8},[3194],{"mode":33,"text":3195,"type":35,"style":24,"detail":25,"format":25,"version":26},"Bring the purchase through to closing",{"type":38,"format":24,"indent":25,"version":26,"children":3197,"direction":8,"textStyle":24,"textFormat":25},[3198],{"mode":33,"text":3199,"type":35,"style":24,"detail":25,"format":25,"version":26},"Drawdown is the release of mortgage funds. It happens only when the lender’s conditions are met. A signed offer or a provisional date does not, by itself, make the funds available.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3201,"direction":8},[3202],{"mode":33,"text":3203,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep the final conditions visible",{"type":38,"format":24,"indent":25,"version":26,"children":3205,"direction":8,"textStyle":24,"textFormat":25},[3206],{"mode":33,"text":3207,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check that the loan offer and valuation remain valid, any updated income evidence is supplied, insurance is active when required and legal conditions are satisfied. Avoid new finance commitments and notify the lender of material changes. Confirm the release process for any approved buyer support.",{"type":38,"format":24,"indent":25,"version":26,"children":3209,"direction":8,"textStyle":24,"textFormat":25},[3210],{"mode":33,"text":3211,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your solicitor should provide a completion statement showing the purchase balance, taxes, fees, outlays and adjustments. Check that earlier deposits are credited correctly. Allow time for transfer limits, bank processing and verification of the source of funds.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3213,"direction":8},[3214],{"mode":33,"text":3215,"type":35,"style":24,"detail":25,"format":25,"version":26},"Inspect before completion",{"type":38,"format":24,"indent":25,"version":26,"children":3217,"direction":8,"textStyle":24,"textFormat":25},[3218],{"mode":33,"text":3219,"type":35,"style":24,"detail":25,"format":25,"version":26},"Arrange a final viewing close to closing where possible. Check the agreed contents, vacant possession, damage since the earlier visit and the status of agreed works or snagging. Bring any discrepancy to your solicitor before completion; do not rely on fixing a dispute after the money has been transferred.",{"type":38,"format":24,"indent":25,"version":26,"children":3221,"direction":8,"textStyle":24,"textFormat":25},[3222],{"mode":33,"text":3223,"type":35,"style":24,"detail":25,"format":25,"version":26},"For a new build, confirm the relevant completion documentation, utilities and access arrangements through your advisers. A home appearing finished does not necessarily mean all legal and lender requirements have been met.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3225,"direction":8},[3226],{"mode":33,"text":3227,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keys follow legal completion",{"type":38,"format":24,"indent":25,"version":26,"children":3229,"direction":8,"textStyle":24,"textFormat":25},[3230],{"mode":33,"text":3231,"type":35,"style":24,"detail":25,"format":25,"version":26},"The solicitor coordinates the transfer of funds and documents with the seller’s solicitor. Collect keys only when release has been authorised. Ask what documents will follow, including confirmation of stamp duty and registration arrangements. The final registration process can continue after you have moved in.",{"type":38,"format":24,"indent":25,"version":26,"children":3233,"direction":8,"textStyle":24,"textFormat":26},[3234],{"mode":33,"text":3235,"type":35,"style":24,"detail":25,"format":26,"version":26},"Keep the moving plan flexible",{"type":38,"format":24,"indent":25,"version":26,"children":3237,"direction":8,"textStyle":24,"textFormat":25},[3238],{"mode":33,"text":3239,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not give notice on rented accommodation or make non-refundable moving commitments solely on the basis of sale agreed. Check your tenancy notice obligations and discuss a realistic completion date with your solicitor. Budget for a possible overlap or delay.",{"type":38,"format":24,"indent":25,"version":26,"children":3241,"direction":8,"textStyle":24,"textFormat":25},[3242],{"mode":33,"text":3243,"type":35,"style":24,"detail":25,"format":25,"version":26},"On handover, obtain all keys, alarm details, appliance information, heating instructions and management-company contacts. Take dated meter readings and photographs. Keep the completion statement and important documents in a secure, backed-up folder.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3245,"direction":8},[3246],{"mode":33,"text":3247,"type":35,"style":24,"detail":25,"format":25,"version":26},"13  PLAN THE FIRST WEEK AND THE FIRST YEAR",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3249,"direction":8},[3250],{"mode":33,"text":3251,"type":35,"style":24,"detail":25,"format":25,"version":26},"Move in with a manageable checklist",{"type":38,"format":24,"indent":25,"version":26,"children":3253,"direction":8,"textStyle":24,"textFormat":26},[3254],{"mode":33,"text":3255,"type":35,"style":24,"detail":25,"format":26,"version":26},"When the completion arrangements are sufficiently certain",{"type":38,"format":24,"indent":25,"version":26,"children":3257,"direction":8,"textStyle":24,"textFormat":25},[3258],{"mode":33,"text":3259,"type":35,"style":24,"detail":25,"format":25,"version":26},"Book insured movers or arrange suitable vehicle hire and help. Check cancellation terms, access, parking and any apartment move-in restrictions. Plan for children or pets, declutter before packing and label boxes by destination room. Keep identity papers, medication and valuables with you.",{"type":38,"format":24,"indent":25,"version":26,"children":3261,"direction":8,"textStyle":24,"textFormat":25},[3262],{"mode":33,"text":3263,"type":35,"style":24,"detail":25,"format":25,"version":26},"Arrange electricity, gas where relevant, broadband and waste services. Organise post redirection and update your address with relevant financial, government and service providers. If you are renting, follow the required notice and handover process and retain evidence of the property’s condition.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3265,"direction":8},[3266],{"mode":33,"text":3267,"type":35,"style":24,"detail":25,"format":25,"version":26},"On moving day",{"type":38,"format":24,"indent":25,"version":26,"children":3269,"direction":8,"textStyle":24,"textFormat":25},[3270],{"mode":33,"text":3271,"type":35,"style":24,"detail":25,"format":25,"version":26},"Record closing readings at the old home and opening readings at the new one, with photographs. Locate the water stopcock, electricity consumer unit and heating controls. Check that doors and windows secure properly, obtain all access devices and arrange appropriate changes to locks or alarm codes.",{"type":38,"format":24,"indent":25,"version":26,"children":3273,"direction":8,"textStyle":24,"textFormat":26},[3274],{"mode":33,"text":3275,"type":35,"style":24,"detail":25,"format":26,"version":26},"Keep an essentials bag accessible",{"type":38,"format":24,"indent":25,"version":26,"children":3277,"direction":8,"textStyle":24,"textFormat":25},[3278],{"mode":33,"text":3279,"type":35,"style":24,"detail":25,"format":25,"version":26},"Medication, chargers, drinking water, simple food, toiletries, a change of clothes, basic cleaning supplies, bedding, a torch and the important contact numbers. Pack separately for children or pets where needed.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3281,"direction":8},[3282],{"mode":33,"text":3283,"type":35,"style":24,"detail":25,"format":25,"version":26},"During the first month",{"type":38,"format":24,"indent":25,"version":26,"children":3285,"direction":8,"textStyle":24,"textFormat":25},[3286],{"mode":33,"text":3287,"type":35,"style":24,"detail":25,"format":25,"version":26},"Confirm the first mortgage payment date and amount, including any initial adjustment. Check insurance schedules and utility accounts. Test smoke and carbon monoxide alarms and arrange appropriate servicing or competent safety checks. Follow up outstanding snags in writing and keep a dated record.",{"type":38,"format":24,"indent":25,"version":26,"children":3289,"direction":8,"textStyle":24,"textFormat":25},[3290],{"mode":33,"text":3291,"type":35,"style":24,"detail":25,"format":25,"version":26},"Update the budget using real bills. Prioritise safety and essential repairs before cosmetic work. Keep a cash reserve for surprises, even if that means furnishing gradually. Discuss wills and protection if ownership or family circumstances have changed.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3293,"direction":8},[3294],{"mode":33,"text":3295,"type":35,"style":24,"detail":25,"format":25,"version":26},"Set reminders for the year ahead",{"type":38,"format":24,"indent":25,"version":26,"children":3297,"direction":8,"textStyle":24,"textFormat":25},[3298],{"mode":33,"text":3299,"type":35,"style":24,"detail":25,"format":25,"version":26},"Record insurance renewal dates, the fixed-rate end date, tax obligations, service-charge payments and maintenance tasks. If you used a buyer scheme, retain its conditions and key dates too. Review mortgage options well before a fixed period ends rather than allowing the next rate to arrive unnoticed.",{"type":38,"format":24,"indent":25,"version":26,"children":3301,"direction":8,"textStyle":24,"textFormat":25},[3302],{"mode":33,"text":3303,"type":35,"style":24,"detail":25,"format":25,"version":26},"If payments become difficult, contact the lender promptly and seek free, independent help from MABS. Early engagement can give you more options than waiting for missed payments to accumulate. [13]",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3305,"direction":8},[3306],{"mode":33,"text":3307,"type":35,"style":24,"detail":25,"format":25,"version":26},"14  USE THIS FOR EACH SERIOUS PROPERTY",{"type":38,"format":24,"indent":25,"version":26,"children":3309,"direction":8,"textStyle":24,"textFormat":25},[3310],{"mode":33,"text":3311,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your purchase budget and decision record",{"type":38,"format":24,"indent":25,"version":26,"children":3313,"direction":8,"textStyle":24,"textFormat":25},[3314],{"mode":33,"text":3315,"type":35,"style":24,"detail":25,"format":25,"version":26},"Property address: ______________________",{"type":38,"format":24,"indent":25,"version":26,"children":3317,"direction":8,"textStyle":24,"textFormat":25},[3318],{"mode":33,"text":3319,"type":35,"style":24,"detail":25,"format":25,"version":26},"Date reviewed: ________________________  ",{"type":38,"format":24,"indent":25,"version":26,"children":3321,"direction":8,"textStyle":24,"textFormat":25},[3322],{"mode":33,"text":3323,"type":35,"style":24,"detail":25,"format":25,"version":26},"Proposed price: _______________________",{"type":231,"format":24,"indent":25,"version":26,"children":3325,"colWidths":3483,"direction":8},[3326,3340,3354,3367,3380,3393,3405,3418,3431,3444,3457,3470],{"type":234,"format":24,"indent":25,"version":26,"children":3327,"direction":8},[3328,3334],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3329,"direction":8,"headerState":26,"backgroundColor":8},[3330],{"type":38,"format":24,"indent":25,"version":26,"children":3331,"direction":8,"textStyle":24,"textFormat":26},[3332],{"mode":33,"text":3333,"type":35,"style":24,"detail":25,"format":26,"version":26},"Funding and costs",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3335,"direction":8,"headerState":26,"backgroundColor":8},[3336],{"type":38,"format":24,"indent":25,"version":26,"children":3337,"direction":8,"textStyle":24,"textFormat":26},[3338],{"mode":33,"text":3339,"type":35,"style":24,"detail":25,"format":26,"version":26},"Your amount",{"type":234,"format":24,"indent":25,"version":26,"children":3341,"direction":8},[3342,3348],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3343,"direction":8,"headerState":25,"backgroundColor":8},[3344],{"type":38,"format":24,"indent":25,"version":26,"children":3345,"direction":8,"textStyle":24,"textFormat":25},[3346],{"mode":33,"text":3347,"type":35,"style":24,"detail":25,"format":25,"version":26},"Confirmed mortgage available",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3349,"direction":8,"headerState":25,"backgroundColor":8},[3350],{"type":38,"format":24,"indent":25,"version":26,"children":3351,"direction":8,"textStyle":24,"textFormat":25},[3352],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},"€",{"type":234,"format":24,"indent":25,"version":26,"children":3355,"direction":8},[3356,3362],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3357,"direction":8,"headerState":25,"backgroundColor":8},[3358],{"type":38,"format":24,"indent":25,"version":26,"children":3359,"direction":8,"textStyle":24,"textFormat":25},[3360],{"mode":33,"text":3361,"type":35,"style":24,"detail":25,"format":25,"version":26},"Savings or verified gift for purchase",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3363,"direction":8,"headerState":25,"backgroundColor":8},[3364],{"type":38,"format":24,"indent":25,"version":26,"children":3365,"direction":8,"textStyle":24,"textFormat":25},[3366],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3368,"direction":8},[3369,3375],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3370,"direction":8,"headerState":25,"backgroundColor":8},[3371],{"type":38,"format":24,"indent":25,"version":26,"children":3372,"direction":8,"textStyle":24,"textFormat":25},[3373],{"mode":33,"text":3374,"type":35,"style":24,"detail":25,"format":25,"version":26},"Confirmed support without double counting",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3376,"direction":8,"headerState":25,"backgroundColor":8},[3377],{"type":38,"format":24,"indent":25,"version":26,"children":3378,"direction":8,"textStyle":24,"textFormat":25},[3379],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3381,"direction":8},[3382,3388],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3383,"direction":8,"headerState":25,"backgroundColor":8},[3384],{"type":38,"format":24,"indent":25,"version":26,"children":3385,"direction":8,"textStyle":24,"textFormat":25},[3386],{"mode":33,"text":3387,"type":35,"style":24,"detail":25,"format":25,"version":26},"Total funds available",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3389,"direction":8,"headerState":25,"backgroundColor":8},[3390],{"type":38,"format":24,"indent":25,"version":26,"children":3391,"direction":8,"textStyle":24,"textFormat":25},[3392],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3394,"direction":8},[3395,3400],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3396,"direction":8,"headerState":25,"backgroundColor":8},[3397],{"type":38,"format":24,"indent":25,"version":26,"children":3398,"direction":8,"textStyle":24,"textFormat":25},[3399],{"mode":33,"text":2255,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3401,"direction":8,"headerState":25,"backgroundColor":8},[3402],{"type":38,"format":24,"indent":25,"version":26,"children":3403,"direction":8,"textStyle":24,"textFormat":25},[3404],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3406,"direction":8},[3407,3413],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3408,"direction":8,"headerState":25,"backgroundColor":8},[3409],{"type":38,"format":24,"indent":25,"version":26,"children":3410,"direction":8,"textStyle":24,"textFormat":25},[3411],{"mode":33,"text":3412,"type":35,"style":24,"detail":25,"format":25,"version":26},"Stamp duty confirmed by solicitor",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3414,"direction":8,"headerState":25,"backgroundColor":8},[3415],{"type":38,"format":24,"indent":25,"version":26,"children":3416,"direction":8,"textStyle":24,"textFormat":25},[3417],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3419,"direction":8},[3420,3426],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3421,"direction":8,"headerState":25,"backgroundColor":8},[3422],{"type":38,"format":24,"indent":25,"version":26,"children":3423,"direction":8,"textStyle":24,"textFormat":25},[3424],{"mode":33,"text":3425,"type":35,"style":24,"detail":25,"format":25,"version":26},"Legal fees including VAT and outlays",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3427,"direction":8,"headerState":25,"backgroundColor":8},[3428],{"type":38,"format":24,"indent":25,"version":26,"children":3429,"direction":8,"textStyle":24,"textFormat":25},[3430],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3432,"direction":8},[3433,3439],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3434,"direction":8,"headerState":25,"backgroundColor":8},[3435],{"type":38,"format":24,"indent":25,"version":26,"children":3436,"direction":8,"textStyle":24,"textFormat":25},[3437],{"mode":33,"text":3438,"type":35,"style":24,"detail":25,"format":25,"version":26},"Valuation survey and specialist reports",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3440,"direction":8,"headerState":25,"backgroundColor":8},[3441],{"type":38,"format":24,"indent":25,"version":26,"children":3442,"direction":8,"textStyle":24,"textFormat":25},[3443],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3445,"direction":8},[3446,3452],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3447,"direction":8,"headerState":25,"backgroundColor":8},[3448],{"type":38,"format":24,"indent":25,"version":26,"children":3449,"direction":8,"textStyle":24,"textFormat":25},[3450],{"mode":33,"text":3451,"type":35,"style":24,"detail":25,"format":25,"version":26},"Moving immediate work and other costs",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3453,"direction":8,"headerState":25,"backgroundColor":8},[3454],{"type":38,"format":24,"indent":25,"version":26,"children":3455,"direction":8,"textStyle":24,"textFormat":25},[3456],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3458,"direction":8},[3459,3465],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3460,"direction":8,"headerState":25,"backgroundColor":8},[3461],{"type":38,"format":24,"indent":25,"version":26,"children":3462,"direction":8,"textStyle":24,"textFormat":25},[3463],{"mode":33,"text":3464,"type":35,"style":24,"detail":25,"format":25,"version":26},"Emergency reserve retained",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3466,"direction":8,"headerState":25,"backgroundColor":8},[3467],{"type":38,"format":24,"indent":25,"version":26,"children":3468,"direction":8,"textStyle":24,"textFormat":25},[3469],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":234,"format":24,"indent":25,"version":26,"children":3471,"direction":8},[3472,3478],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3473,"direction":8,"headerState":25,"backgroundColor":8},[3474],{"type":38,"format":24,"indent":25,"version":26,"children":3475,"direction":8,"textStyle":24,"textFormat":25},[3476],{"mode":33,"text":3477,"type":35,"style":24,"detail":25,"format":25,"version":26},"Funding surplus or gap",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":3479,"direction":8,"headerState":25,"backgroundColor":8},[3480],{"type":38,"format":24,"indent":25,"version":26,"children":3481,"direction":8,"textStyle":24,"textFormat":25},[3482],{"mode":33,"text":3353,"type":35,"style":24,"detail":25,"format":25,"version":26},[3484,3485],292,213,{"type":38,"format":24,"indent":25,"version":26,"children":3487,"direction":8,"textStyle":24,"textFormat":25},[3488,3490,3491,3493,3494,3496,3497,3499,3500,3502,3503,3505,3506],{"mode":33,"text":3489,"type":35,"style":24,"detail":25,"format":25,"version":26},"Monthly mortgage: €________  ",{"type":737,"version":26},{"mode":33,"text":3492,"type":35,"style":24,"detail":25,"format":25,"version":26},"Insurance: €________  ",{"type":737,"version":26},{"mode":33,"text":3495,"type":35,"style":24,"detail":25,"format":25,"version":26},"Property tax: €________",{"type":737,"version":26},{"mode":33,"text":3498,"type":35,"style":24,"detail":25,"format":25,"version":26},"Management fee: €________  ",{"type":737,"version":26},{"mode":33,"text":3501,"type":35,"style":24,"detail":25,"format":25,"version":26},"Maintenance: €________  ",{"type":737,"version":26},{"mode":33,"text":3504,"type":35,"style":24,"detail":25,"format":25,"version":26},"Other bills: €________",{"type":737,"version":26},{"mode":33,"text":3507,"type":35,"style":24,"detail":25,"format":25,"version":26},"Monthly amount left after all commitments: €_______________",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3509,"direction":8},[3510],{"mode":33,"text":3511,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before increasing an offer or signing",{"type":38,"format":24,"indent":25,"version":26,"children":3513,"direction":8,"textStyle":24,"textFormat":25},[3514],{"mode":33,"text":3515,"type":35,"style":24,"detail":25,"format":25,"version":26},"Record the answer and who verified it for each item below.",{"type":38,"format":24,"indent":25,"version":26,"children":3517,"direction":8,"textStyle":24,"textFormat":25},[3518,3520,3521,3523,3524,3526,3527,3529,3530,3532,3533,3535,3536],{"mode":33,"text":3519,"type":35,"style":24,"detail":25,"format":25,"version":26},"Finance and scheme conditions: ___________________________________",{"type":737,"version":26},{"mode":33,"text":3522,"type":35,"style":24,"detail":25,"format":25,"version":26},"Survey findings and costed repairs: _________________________________",{"type":737,"version":26},{"mode":33,"text":3525,"type":35,"style":24,"detail":25,"format":25,"version":26},"Title planning access and boundaries: _______________________________",{"type":737,"version":26},{"mode":33,"text":3528,"type":35,"style":24,"detail":25,"format":25,"version":26},"Insurance availability and start date: ________________________________",{"type":737,"version":26},{"mode":33,"text":3531,"type":35,"style":24,"detail":25,"format":25,"version":26},"Contract conditions and binding point: ______________________________",{"type":737,"version":26},{"mode":33,"text":3534,"type":35,"style":24,"detail":25,"format":25,"version":26},"Total cash needed and payment dates: _______________________________",{"type":737,"version":26},{"mode":33,"text":3537,"type":35,"style":24,"detail":25,"format":25,"version":26},"Outstanding questions and next action: ______________________________",{"type":38,"format":24,"indent":25,"version":26,"children":3539,"direction":8,"textStyle":24,"textFormat":26},[3540,3542,3543],{"mode":33,"text":3541,"type":35,"style":24,"detail":25,"format":26,"version":26},"A clear stopping point",{"type":737,"version":26},{"mode":33,"text":3544,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not move ahead because you have already spent money or invested time. An unresolved funding gap, serious defect or legal issue is a reason to pause and seek advice.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3546,"direction":8},[3547],{"mode":33,"text":3548,"type":35,"style":24,"detail":25,"format":25,"version":26},"15  RESOLVE UNCERTAINTY BEFORE COMMITTING",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3550,"direction":8},[3551],{"mode":33,"text":3552,"type":35,"style":24,"detail":25,"format":25,"version":26},"Questions first-time buyers often ask",{"type":38,"format":24,"indent":25,"version":26,"children":3554,"direction":8,"textStyle":24,"textFormat":26},[3555],{"mode":33,"text":3556,"type":35,"style":24,"detail":25,"format":26,"version":26},"Can I buy with only a 10 per cent deposit",{"type":38,"format":24,"indent":25,"version":26,"children":3558,"direction":8,"textStyle":24,"textFormat":25},[3559],{"mode":33,"text":3560,"type":35,"style":24,"detail":25,"format":25,"version":26},"The standard deposit rule is a starting point. The lender may approve a smaller loan, or a low valuation may require more cash. Buying costs and an emergency reserve also need funding. Check the complete budget rather than the deposit alone.",{"type":38,"format":24,"indent":25,"version":26,"children":3562,"direction":8,"textStyle":24,"textFormat":26},[3563],{"mode":33,"text":3564,"type":35,"style":24,"detail":25,"format":26,"version":26},"Can family give me the deposit",{"type":38,"format":24,"indent":25,"version":26,"children":3566,"direction":8,"textStyle":24,"textFormat":25},[3567],{"mode":33,"text":3568,"type":35,"style":24,"detail":25,"format":25,"version":26},"A lender may accept a documented gift subject to its rules. Disclose it, keep evidence of the source and clarify that it is not repayable if it is described as a gift. Tax consequences and any intended ownership interest need separate advice.",{"type":38,"format":24,"indent":25,"version":26,"children":3570,"direction":8,"textStyle":24,"textFormat":26},[3571],{"mode":33,"text":3572,"type":35,"style":24,"detail":25,"format":26,"version":26},"Is a mortgage valuation enough",{"type":38,"format":24,"indent":25,"version":26,"children":3574,"direction":8,"textStyle":24,"textFormat":25},[3575],{"mode":33,"text":3576,"type":35,"style":24,"detail":25,"format":25,"version":26},"No. It serves the lender’s security assessment. Commission your own appropriate survey and follow up any recommended specialist checks before becoming legally committed.",{"type":38,"format":24,"indent":25,"version":26,"children":3578,"direction":8,"textStyle":24,"textFormat":26},[3579],{"mode":33,"text":3580,"type":35,"style":24,"detail":25,"format":26,"version":26},"Can I pull out after sale agreed",{"type":38,"format":24,"indent":25,"version":26,"children":3582,"direction":8,"textStyle":24,"textFormat":25},[3583],{"mode":33,"text":3584,"type":35,"style":24,"detail":25,"format":25,"version":26},"Usually, in an ordinary private-treaty sale before a binding contract, but booking terms and circumstances matter. Ask your solicitor. Once bound, withdrawal can have serious financial consequences. Auctions can bind you much earlier.",{"type":38,"format":24,"indent":25,"version":26,"children":3586,"direction":8,"textStyle":24,"textFormat":26},[3587],{"mode":33,"text":3588,"type":35,"style":24,"detail":25,"format":26,"version":26},"How long will the purchase take",{"type":38,"format":24,"indent":25,"version":26,"children":3590,"direction":8,"textStyle":24,"textFormat":25},[3591],{"mode":33,"text":3592,"type":35,"style":24,"detail":25,"format":25,"version":26},"There is no reliable universal timeframe. Title problems, probate, linked sales, new-build delays, finance conditions and missing documents can all slow progress. Ask each adviser what remains outstanding and who owns the next action.",{"type":38,"format":24,"indent":25,"version":26,"children":3594,"direction":8,"textStyle":24,"textFormat":26},[3595],{"mode":33,"text":3596,"type":35,"style":24,"detail":25,"format":26,"version":26},"Does a good BER mean the home is in good condition",{"type":38,"format":24,"indent":25,"version":26,"children":3598,"direction":8,"textStyle":24,"textFormat":25},[3599],{"mode":33,"text":3600,"type":35,"style":24,"detail":25,"format":25,"version":26},"No. Energy performance and building condition are different. A BER does not establish structural soundness, planning compliance or the absence of damp. Use both the energy information and the appropriate professional checks.",{"type":38,"format":24,"indent":25,"version":26,"children":3602,"direction":8,"textStyle":24,"textFormat":26},[3603],{"mode":33,"text":3604,"type":35,"style":24,"detail":25,"format":26,"version":26},"What if the valuation is below my agreed price",{"type":38,"format":24,"indent":25,"version":26,"children":3606,"direction":8,"textStyle":24,"textFormat":25},[3607],{"mode":33,"text":3608,"type":35,"style":24,"detail":25,"format":25,"version":26},"The lender may reduce the loan. Revisit the price, funding gap and affordability with your advisers. Do not assume the seller will reduce the price or that the lender will disregard the valuation.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3610,"direction":8},[3611],{"mode":33,"text":3612,"type":35,"style":24,"detail":25,"format":25,"version":26},"16  KEEP THE COMMITMENTS CLEAR",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3614,"direction":8},[3615],{"mode":33,"text":3616,"type":35,"style":24,"detail":25,"format":25,"version":26},"Useful terms and important information",{"type":38,"format":24,"indent":25,"version":26,"children":3618,"direction":8,"textStyle":24,"textFormat":26},[3619,3621],{"mode":33,"text":3620,"type":35,"style":24,"detail":25,"format":26,"version":26},"AIP  ",{"mode":33,"text":3622,"type":35,"style":24,"detail":25,"format":25,"version":26},"Approval in principle: a conditional indication of borrowing capacity.",{"type":38,"format":24,"indent":25,"version":26,"children":3624,"direction":8,"textStyle":24,"textFormat":26},[3625,3627],{"mode":33,"text":3626,"type":35,"style":24,"detail":25,"format":26,"version":26},"APRC  ",{"mode":33,"text":3628,"type":35,"style":24,"detail":25,"format":25,"version":26},"Annual Percentage Rate of Charge: a measure of borrowing cost under stated assumptions.",{"type":38,"format":24,"indent":25,"version":26,"children":3630,"direction":8,"textStyle":24,"textFormat":26},[3631,3633],{"mode":33,"text":3632,"type":35,"style":24,"detail":25,"format":26,"version":26},"Conveyancing  ",{"mode":33,"text":3634,"type":35,"style":24,"detail":25,"format":25,"version":26},"The legal process of transferring property ownership.",{"type":38,"format":24,"indent":25,"version":26,"children":3636,"direction":8,"textStyle":24,"textFormat":26},[3637,3639],{"mode":33,"text":3638,"type":35,"style":24,"detail":25,"format":26,"version":26},"Drawdown  ",{"mode":33,"text":3640,"type":35,"style":24,"detail":25,"format":25,"version":26},"The release of mortgage funds once lender conditions are satisfied.",{"type":38,"format":24,"indent":25,"version":26,"children":3642,"direction":8,"textStyle":24,"textFormat":26},[3643,3645],{"mode":33,"text":3644,"type":35,"style":24,"detail":25,"format":26,"version":26},"Equity  ",{"mode":33,"text":3646,"type":35,"style":24,"detail":25,"format":25,"version":26},"The value of an ownership interest. A shared-equity provider can retain an interest alongside your own.",{"type":38,"format":24,"indent":25,"version":26,"children":3648,"direction":8,"textStyle":24,"textFormat":26},[3649,3651],{"mode":33,"text":3650,"type":35,"style":24,"detail":25,"format":26,"version":26},"LTV  ",{"mode":33,"text":3652,"type":35,"style":24,"detail":25,"format":25,"version":26},"Loan to value: the mortgage as a percentage of the relevant property value.",{"type":38,"format":24,"indent":25,"version":26,"children":3654,"direction":8,"textStyle":24,"textFormat":26},[3655,3657],{"mode":33,"text":3656,"type":35,"style":24,"detail":25,"format":26,"version":26},"Sale agreed  ",{"mode":33,"text":3658,"type":35,"style":24,"detail":25,"format":25,"version":26},"An accepted offer that usually precedes binding contracts in a private-treaty sale.",{"type":38,"format":24,"indent":25,"version":26,"children":3660,"direction":8,"textStyle":24,"textFormat":26},[3661,3663],{"mode":33,"text":3662,"type":35,"style":24,"detail":25,"format":26,"version":26},"Snagging  ",{"mode":33,"text":3664,"type":35,"style":24,"detail":25,"format":25,"version":26},"Inspection of a new home to identify defects or unfinished work for correction.",{"type":38,"format":24,"indent":25,"version":26,"children":3666,"direction":8,"textStyle":24,"textFormat":25},[3667],{"mode":33,"text":3668,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgage and ownership risks",{"type":38,"format":24,"indent":25,"version":26,"children":3670,"direction":8,"textStyle":24,"textFormat":26},[3671,3673,3674],{"mode":33,"text":3672,"type":35,"style":24,"detail":25,"format":26,"version":26},"Important warning",{"type":737,"version":26},{"mode":33,"text":1941,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":3676,"direction":8,"textStyle":24,"textFormat":25},[3677],{"mode":33,"text":3678,"type":35,"style":24,"detail":25,"format":25,"version":26},"Interest-rate changes can increase repayments. Early repayment or switching during a fixed-rate period can result in charges. Missed payments can affect your credit record and future borrowing. Property values can fall, and the proceeds of a sale may be less than the outstanding mortgage and selling costs.",{"type":38,"format":24,"indent":25,"version":26,"children":3680,"direction":8,"textStyle":24,"textFormat":25},[3681],{"mode":33,"text":3682,"type":35,"style":24,"detail":25,"format":25,"version":26},"Shared-equity funding creates obligations separate from the mortgage. A rise in property value can increase the amount needed to buy back an equity share. Service charges, repayment triggers and restrictions must be understood before proceeding.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3684,"direction":8},[3685],{"mode":33,"text":3686,"type":35,"style":24,"detail":25,"format":25,"version":26},"Scope of this guide",{"type":38,"format":24,"indent":25,"version":26,"children":3688,"direction":8,"textStyle":24,"textFormat":25},[3689],{"mode":33,"text":3690,"type":35,"style":24,"detail":25,"format":25,"version":26},"This is a generic educational guide for first-time home buyers in the Republic of Ireland. It does not recommend a lender, insurer, mortgage, property or support scheme, and is not personalised financial, legal, tax or surveying advice. It does not represent a lending decision or guarantee eligibility for a scheme.",{"type":38,"format":24,"indent":25,"version":26,"children":3692,"direction":8,"textStyle":24,"textFormat":25},[3693],{"mode":33,"text":3694,"type":35,"style":24,"detail":25,"format":25,"version":26},"Examples and cost allowances are illustrative, not quotations. Eligibility, rates, taxes, terms and legal requirements can change. Information was checked on 4 October 2026. Verify the current position with the relevant official source and your professional advisers before acting. Your contract, loan offer and policy documents determine the specific terms that apply.",{"type":38,"format":24,"indent":25,"version":26,"children":3696,"direction":8,"textStyle":24,"textFormat":25},[3697],{"mode":33,"text":3698,"type":35,"style":24,"detail":25,"format":25,"version":26},"The guide does not replace a solicitor’s review, independent property inspection or assessment of your ability to repay. Nothing in it limits your rights under applicable law.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3700,"direction":8},[3701],{"mode":33,"text":3702,"type":35,"style":24,"detail":25,"format":25,"version":26},"17  CHECK CURRENT DETAILS AT THE SOURCE",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":3704,"direction":8},[3705],{"mode":33,"text":2183,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":3707,"direction":8,"textStyle":24,"textFormat":25},[3708],{"mode":33,"text":3709,"type":35,"style":24,"detail":25,"format":25,"version":26},"The numbered references support the rules and consumer information in this guide. Use the links to check the detail relevant to your purchase. Accessed 4 October 2026.",{"type":38,"format":24,"indent":25,"version":26,"children":3711,"direction":8,"textStyle":24,"textFormat":25},[3712,3714,3716],{"mode":33,"text":3713,"type":35,"style":24,"detail":25,"format":25,"version":26},"1  ",{"mode":33,"text":3715,"type":35,"style":24,"detail":25,"format":26,"version":26},"Revenue",{"mode":33,"text":3717,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Stamp duty rates",{"type":38,"format":24,"indent":25,"version":26,"children":3719,"direction":8,"textStyle":24,"textFormat":25},[3720,3722,3724],{"mode":33,"text":3721,"type":35,"style":24,"detail":25,"format":25,"version":26},"2  ",{"mode":33,"text":3723,"type":35,"style":24,"detail":25,"format":26,"version":26},"Central Bank of Ireland",{"mode":33,"text":3725,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Mortgage measures",{"type":38,"format":24,"indent":25,"version":26,"children":3727,"direction":8,"textStyle":24,"textFormat":25},[3728,3730,3732],{"mode":33,"text":3729,"type":35,"style":24,"detail":25,"format":25,"version":26},"3  ",{"mode":33,"text":3731,"type":35,"style":24,"detail":25,"format":26,"version":26},"Central Credit Register",{"mode":33,"text":3733,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Your report and rights",{"type":38,"format":24,"indent":25,"version":26,"children":3735,"direction":8,"textStyle":24,"textFormat":25},[3736,3738,3739],{"mode":33,"text":3737,"type":35,"style":24,"detail":25,"format":25,"version":26},"4  ",{"mode":33,"text":3715,"type":35,"style":24,"detail":25,"format":26,"version":26},{"mode":33,"text":3740,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Help to Buy refund amount",{"type":38,"format":24,"indent":25,"version":26,"children":3742,"direction":8,"textStyle":24,"textFormat":25},[3743,3745,3746],{"mode":33,"text":3744,"type":35,"style":24,"detail":25,"format":25,"version":26},"5  ",{"mode":33,"text":3715,"type":35,"style":24,"detail":25,"format":26,"version":26},{"mode":33,"text":3747,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Help to Buy qualifying property",{"type":38,"format":24,"indent":25,"version":26,"children":3749,"direction":8,"textStyle":24,"textFormat":25},[3750,3752,3753],{"mode":33,"text":3751,"type":35,"style":24,"detail":25,"format":25,"version":26},"6  ",{"mode":33,"text":2739,"type":35,"style":24,"detail":25,"format":26,"version":26},{"mode":33,"text":3754,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Eligibility and obligations",{"type":38,"format":24,"indent":25,"version":26,"children":3756,"direction":8,"textStyle":24,"textFormat":25},[3757,3759,3761],{"mode":33,"text":3758,"type":35,"style":24,"detail":25,"format":25,"version":26},"7  ",{"mode":33,"text":3760,"type":35,"style":24,"detail":25,"format":26,"version":26},"Local Authority Home Loan",{"mode":33,"text":3762,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Information centre",{"type":38,"format":24,"indent":25,"version":26,"children":3764,"direction":8,"textStyle":24,"textFormat":25},[3765,3767,3769],{"mode":33,"text":3766,"type":35,"style":24,"detail":25,"format":25,"version":26},"8  ",{"mode":33,"text":3768,"type":35,"style":24,"detail":25,"format":26,"version":26},"Government of Ireland",{"mode":33,"text":3770,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Local Authority Affordable Purchase",{"type":38,"format":24,"indent":25,"version":26,"children":3772,"direction":8,"textStyle":24,"textFormat":25},[3773,3775,3777],{"mode":33,"text":3774,"type":35,"style":24,"detail":25,"format":25,"version":26},"9  ",{"mode":33,"text":3776,"type":35,"style":24,"detail":25,"format":26,"version":26},"Property Services Regulatory Authority",{"mode":33,"text":3778,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Property Price Register",{"type":38,"format":24,"indent":25,"version":26,"children":3780,"direction":8,"textStyle":24,"textFormat":25},[3781,3783,3785],{"mode":33,"text":3782,"type":35,"style":24,"detail":25,"format":25,"version":26},"10  ",{"mode":33,"text":3784,"type":35,"style":24,"detail":25,"format":26,"version":26},"SEAI",{"mode":33,"text":3786,"type":35,"style":24,"detail":25,"format":25,"version":26},"  BER information",{"type":38,"format":24,"indent":25,"version":26,"children":3788,"direction":8,"textStyle":24,"textFormat":25},[3789,3791,3793],{"mode":33,"text":3790,"type":35,"style":24,"detail":25,"format":25,"version":26},"11  ",{"mode":33,"text":3792,"type":35,"style":24,"detail":25,"format":26,"version":26},"CCPC",{"mode":33,"text":3794,"type":35,"style":24,"detail":25,"format":25,"version":26},"  From approval to closing",{"type":38,"format":24,"indent":25,"version":26,"children":3796,"direction":8,"textStyle":24,"textFormat":25},[3797,3799,3800],{"mode":33,"text":3798,"type":35,"style":24,"detail":25,"format":25,"version":26},"12  ",{"mode":33,"text":3792,"type":35,"style":24,"detail":25,"format":26,"version":26},{"mode":33,"text":3801,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Mortgage terms explained",{"type":38,"format":24,"indent":25,"version":26,"children":3803,"direction":8,"textStyle":24,"textFormat":25},[3804,3806,3808],{"mode":33,"text":3805,"type":35,"style":24,"detail":25,"format":25,"version":26},"13  ",{"mode":33,"text":3807,"type":35,"style":24,"detail":25,"format":26,"version":26},"MABS",{"mode":33,"text":3809,"type":35,"style":24,"detail":25,"format":25,"version":26},"  Free money and debt advice",{"type":38,"format":24,"indent":25,"version":26,"children":3811,"direction":8,"textStyle":24,"textFormat":25},[3812],{"mode":33,"text":3813,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep your own contact list",{"type":38,"format":24,"indent":25,"version":26,"children":3815,"direction":8,"textStyle":24,"textFormat":25},[3816,3818,3819,3821,3822,3824,3825,3827,3828],{"mode":33,"text":3817,"type":35,"style":24,"detail":25,"format":25,"version":26},"Solicitor: ____________________________________________",{"type":737,"version":26},{"mode":33,"text":3820,"type":35,"style":24,"detail":25,"format":25,"version":26},"Lender or mortgage broker: _______________________________",{"type":737,"version":26},{"mode":33,"text":3823,"type":35,"style":24,"detail":25,"format":25,"version":26},"Surveyor or engineer: ___________________________________",{"type":737,"version":26},{"mode":33,"text":3826,"type":35,"style":24,"detail":25,"format":25,"version":26},"Insurance contact: _____________________________________",{"type":737,"version":26},{"mode":33,"text":3829,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estate agent: _________________________________________",{"type":38,"format":24,"indent":25,"version":26,"children":3831,"direction":8,"textStyle":24,"textFormat":25},[3832],{"mode":33,"text":3833,"type":35,"style":24,"detail":25,"format":25,"version":26},"Verify professional credentials and contact details independently. Keep sensitive account details and identity documents in a secure place rather than in a shared checklist.",{"title":3835,"description":1891,"image":8},"Buying Your First Home Guide | Indigo Investment Group","2026-11-03T21:47:20.466Z","2026-10-03T22:31:47.384Z",{"id":3839,"title":3840,"generateSlug":6,"url_title":3841,"sortOrder":1227,"type":144,"parent":3842,"page_heading":3840,"intro":3853,"image":3854,"content":3861,"seo":4340,"updatedAt":4342,"createdAt":4343},63,"Navigating Redundancy","navigating-redundancy",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":3843,"seo":3852,"updatedAt":163,"createdAt":163},{"root":3844},{"type":23,"format":24,"indent":25,"version":26,"children":3845,"direction":36},[3846,3849],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":3847,"direction":36},[3848],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":3850,"direction":36,"textStyle":24,"textFormat":25},[3851],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"Practical guidance on managing your finances through redundancy.",{"id":3855,"alt":3840,"_objectKey":8,"updatedAt":3856,"createdAt":3857,"url":3858,"thumbnailURL":8,"filename":3859,"mimeType":171,"filesize":3860,"width":467,"height":173,"focalX":175,"focalY":175},18,"2026-11-02T23:21:00.980Z","2026-11-02T22:46:29.667Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fnavigating-redundancy-1.jpg","navigating-redundancy-1.jpg",221562,{"root":3862},{"type":23,"format":24,"indent":25,"version":26,"children":3863,"direction":8},[3864,3867,3871,3875,3879,3883,3887,3913,3929,3933,3937,3949,3961,3965,3969,3980,3984,3996,4000,4004,4018,4022,4034,4038,4042,4046,4050,4054,4074,4078,4082,4086,4098,4102,4110,4122,4134,4146,4150,4161,4165,4169,4173,4177,4181,4193,4196,4202,4214,4218,4222,4234,4238,4242,4246,4268,4272,4276,4280,4306,4310,4314,4326,4329,4333,4337],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":3865,"direction":8},[3866],{"mode":33,"text":3840,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":3868,"direction":8,"textStyle":24,"textFormat":26},[3869],{"mode":33,"text":3870,"type":35,"style":24,"detail":25,"format":26,"version":26},"A financial guide for employees in Ireland",{"type":38,"format":811,"indent":25,"version":26,"children":3872,"direction":8,"textStyle":24,"textFormat":25},[3873],{"mode":33,"text":3874,"type":35,"style":24,"detail":25,"format":25,"version":26},"Redundancy can bring uncertainty about income, retirement and the protection your employer provides. A payment that looks substantial may need to cover several months without a salary, while decisions about tax and pensions can have consequences long after you return to work.",{"type":38,"format":811,"indent":25,"version":26,"children":3876,"direction":8,"textStyle":24,"textFormat":25},[3877],{"mode":33,"text":3878,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether redundancy is a possibility or you already have an offer, begin by understanding the package, identifying benefits that will end and working out what your household needs next. You do not need to make every financial decision at once, but some deadlines deserve early attention.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":3880,"direction":8},[3881],{"mode":33,"text":3882,"type":35,"style":24,"detail":25,"format":25,"version":26},"1. Understand the package on offer",{"type":38,"format":811,"indent":25,"version":26,"children":3884,"direction":8,"textStyle":24,"textFormat":25},[3885],{"mode":33,"text":3886,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask your employer for a written breakdown showing:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":3888,"listType":128,"direction":8},[3889,3893,3897,3901,3905,3909],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":3890,"direction":8},[3891],{"mode":33,"text":3892,"type":35,"style":24,"detail":25,"format":25,"version":26},"Statutory redundancy and any additional severance or ex-gratia payment.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":3894,"direction":8},[3895],{"mode":33,"text":3896,"type":35,"style":24,"detail":25,"format":25,"version":26},"Final salary, outstanding holiday pay, bonuses and payment in lieu of notice.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":3898,"direction":8},[3899],{"mode":33,"text":3900,"type":35,"style":24,"detail":25,"format":25,"version":26},"The proposed employment end date and payment dates.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":3902,"direction":8},[3903],{"mode":33,"text":3904,"type":35,"style":24,"detail":25,"format":25,"version":26},"Pension contributions or enhancements included in the offer.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":3906,"direction":8},[3907],{"mode":33,"text":3908,"type":35,"style":24,"detail":25,"format":25,"version":26},"When life cover, income protection, health insurance and other benefits end.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":3910,"direction":8},[3911],{"mode":33,"text":3912,"type":35,"style":24,"detail":25,"format":25,"version":26},"Any conditions, acceptance deadlines or settlement agreement requirements.",{"type":38,"format":811,"indent":25,"version":26,"children":3914,"direction":8,"textStyle":24,"textFormat":25},[3915,3917,3919,3921,3928],{"mode":33,"text":3916,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare the expected ",{"mode":33,"text":3918,"type":35,"style":24,"detail":25,"format":26,"version":26},"net payment",{"mode":33,"text":3920,"type":35,"style":24,"detail":25,"format":25,"version":26},", not just the headline amount. Different elements can have different tax treatment. Contractual termination payments are generally taxable as pay; contractual payment in lieu of notice does not qualify for termination-payment exemptions. Non-contractual notice payments may be treated differently. ",{"id":3922,"type":837,"fields":3923,"format":24,"indent":25,"version":11,"children":3925,"direction":8},"6ae908af8eac7fbfe6391ceb",{"url":3924,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Flump-sum-payments\u002Findex.aspx",[3926],{"mode":33,"text":3927,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue explains these distinctions",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":3930,"direction":8},[3931],{"mode":33,"text":3932,"type":35,"style":24,"detail":25,"format":25,"version":26},"Statutory redundancy",{"type":38,"format":811,"indent":25,"version":26,"children":3934,"direction":8,"textStyle":24,"textFormat":25},[3935],{"mode":33,"text":3936,"type":35,"style":24,"detail":25,"format":25,"version":26},"Eligible employees generally need at least 104 weeks’ continuous service, qualifying insurable employment and a job that is genuinely redundant. The statutory calculation is two weeks’ pay for each year of reckonable service, plus one additional week, with weekly pay capped at €600. The calculation can include qualifying part-years.",{"type":38,"format":811,"indent":25,"version":26,"children":3938,"direction":8,"textStyle":24,"textFormat":25},[3939,3941,3948],{"mode":33,"text":3940,"type":35,"style":24,"detail":25,"format":25,"version":26},"An employer may offer more, but an enhanced package should not be confused with the statutory entitlement. Check how the employer has calculated service and whether its quoted total includes statutory redundancy. ",{"id":3942,"type":837,"fields":3943,"format":24,"indent":25,"version":11,"children":3945,"direction":8},"6ae908af8eac7fbfe6391cec",{"url":3944,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.gov.ie\u002Fen\u002Fdepartment-of-social-protection\u002Fservices\u002Fredundancy-payment-scheme\u002F",[3946],{"mode":33,"text":3947,"type":35,"style":24,"detail":25,"format":25,"version":26},"Department of Social Protection: Redundancy Payment Scheme",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":3950,"direction":8,"textStyle":24,"textFormat":25},[3951,3953,3960],{"mode":33,"text":3952,"type":35,"style":24,"detail":25,"format":25,"version":26},"Statutory redundancy is exempt from tax under the relevant rules. An additional termination payment is not automatically exempt. ",{"id":3954,"type":837,"fields":3955,"format":24,"indent":25,"version":11,"children":3957,"direction":8},"6ae908af8eac7fbfe6391ced",{"url":3956,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Flump-sum-payments\u002Ftax-exempt.aspx",[3958],{"mode":33,"text":3959,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Other tax-exempt termination payments",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":3962,"direction":8,"textStyle":24,"textFormat":25},[3963],{"mode":33,"text":3964,"type":35,"style":24,"detail":25,"format":25,"version":26},"If you are asked to sign away employment rights or accept settlement conditions, obtain appropriate legal advice. A financial review does not replace advice from an employment solicitor.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":3966,"direction":8},[3967],{"mode":33,"text":3968,"type":35,"style":24,"detail":25,"format":25,"version":26},"2. Check tax relief before making pension decisions",{"type":38,"format":811,"indent":25,"version":26,"children":3970,"direction":8,"textStyle":24,"textFormat":25},[3971,3973,3979],{"mode":33,"text":3972,"type":35,"style":24,"detail":25,"format":25,"version":26},"For a qualifying termination payment, the relevant relief is generally the more favourable of the basic exemption, including any available increase, or Standard Capital Superannuation Benefit (SCSB). These are alternative calculations, not allowances to add together. ",{"id":3974,"type":837,"fields":3975,"format":24,"indent":25,"version":11,"children":3976,"direction":8},"6ae908af8eac7fbfe6391cee",{"url":3924,"newTab":6,"linkType":840},[3977],{"mode":33,"text":3978,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Lump sum payments",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":3981,"direction":8},[3982],{"mode":33,"text":3983,"type":35,"style":24,"detail":25,"format":25,"version":26},"Basic exemption",{"type":38,"format":811,"indent":25,"version":26,"children":3985,"direction":8,"textStyle":24,"textFormat":25},[3986,3988,3995],{"mode":33,"text":3987,"type":35,"style":24,"detail":25,"format":25,"version":26},"The basic exemption is €10,160 plus €765 for each complete year of qualifying service. A €200,000 lifetime limit applies to qualifying tax-exempt termination payments; previous payments and the applicable conditions must be checked. ",{"id":3989,"type":837,"fields":3990,"format":24,"indent":25,"version":11,"children":3992,"direction":8},"6ae908af8eac7fbfe6391cef",{"url":3991,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Flump-sum-payments\u002Fbasic-exemption.aspx",[3993],{"mode":33,"text":3994,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Basic exemption",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":3997,"direction":8},[3998],{"mode":33,"text":3999,"type":35,"style":24,"detail":25,"format":25,"version":26},"Increased exemption",{"type":38,"format":811,"indent":25,"version":26,"children":4001,"direction":8,"textStyle":24,"textFormat":25},[4002],{"mode":33,"text":4003,"type":35,"style":24,"detail":25,"format":25,"version":26},"An increase of up to €10,000 may be available, subject to conditions including previous use within ten years. Pension lump sums already received or available from the employment can reduce or eliminate the increase. The current value of a future pension lump sum may need to be considered.",{"type":38,"format":811,"indent":25,"version":26,"children":4005,"direction":8,"textStyle":24,"textFormat":26},[4006,4008,4010,4017],{"mode":33,"text":4007,"type":35,"style":24,"detail":25,"format":26,"version":26},"Do not waive a pension lump-sum entitlement simply to increase the tax-free part of a redundancy payment.",{"mode":33,"text":4009,"type":35,"style":24,"detail":25,"format":25,"version":26}," Giving up that right can affect your retirement benefits. Have the immediate tax saving and the value of the pension rights compared before signing any election. ",{"id":4011,"type":837,"fields":4012,"format":24,"indent":25,"version":11,"children":4014,"direction":8},"6ae908af8eac7fbfe6391cf0",{"url":4013,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Flump-sum-payments\u002Fincreased-exemption.aspx",[4015],{"mode":33,"text":4016,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Increased exemption",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4019,"direction":8},[4020],{"mode":33,"text":4021,"type":35,"style":24,"detail":25,"format":25,"version":26},"SCSB",{"type":38,"format":811,"indent":25,"version":26,"children":4023,"direction":8,"textStyle":24,"textFormat":25},[4024,4026,4033],{"mode":33,"text":4025,"type":35,"style":24,"detail":25,"format":25,"version":26},"SCSB uses average annual pay over the final 36 months and complete years of service, with a deduction for relevant tax-free pension lump-sum entitlements. It may be more favourable for some employees with longer service or higher earnings. Ask payroll or your tax adviser to show the calculation and the pension information used. ",{"id":4027,"type":837,"fields":4028,"format":24,"indent":25,"version":11,"children":4030,"direction":8},"6ae908af8eac7fbfe6391cf1",{"url":4029,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Flump-sum-payments\u002Fstandard-capital-superannuation-benefit.aspx",[4031],{"mode":33,"text":4032,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: SCSB",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4035,"direction":8,"textStyle":24,"textFormat":25},[4036],{"mode":33,"text":4037,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask for confirmation of the relief applied and all payroll deductions. Your personal history and pension entitlements can change the result, so another employee’s net payment is not a reliable comparison.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4039,"direction":8},[4040],{"mode":33,"text":4041,"type":35,"style":24,"detail":25,"format":25,"version":26},"3. Work out how long your money needs to last",{"type":38,"format":811,"indent":25,"version":26,"children":4043,"direction":8,"textStyle":24,"textFormat":25},[4044],{"mode":33,"text":4045,"type":35,"style":24,"detail":25,"format":25,"version":26},"Build a budget around essential spending: mortgage or rent, food, utilities, insurance, childcare, debt repayments and known tax commitments. Add replacement costs for benefits previously paid by your employer.",{"type":38,"format":811,"indent":25,"version":26,"children":4047,"direction":8,"textStyle":24,"textFormat":25},[4048],{"mode":33,"text":4049,"type":35,"style":24,"detail":25,"format":25,"version":26},"Calculate the gap between those costs and reliable household income. Test several possible periods without work rather than assuming a new role will start quickly. Include retraining, job-search expenses and any planned career break.",{"type":38,"format":811,"indent":25,"version":26,"children":4051,"direction":8,"textStyle":24,"textFormat":25},[4052],{"mode":33,"text":4053,"type":35,"style":24,"detail":25,"format":25,"version":26},"Divide the available payment into clear purposes:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4055,"listType":128,"direction":8},[4056,4062,4068],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4057,"direction":8},[4058,4060],{"mode":33,"text":4059,"type":35,"style":24,"detail":25,"format":26,"version":26},"Near-term living costs:",{"mode":33,"text":4061,"type":35,"style":24,"detail":25,"format":25,"version":26}," money needed while employment income is uncertain.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4063,"direction":8},[4064,4066],{"mode":33,"text":4065,"type":35,"style":24,"detail":25,"format":26,"version":26},"Known commitments and a contingency reserve:",{"mode":33,"text":4067,"type":35,"style":24,"detail":25,"format":25,"version":26}," upcoming bills and unexpected costs.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4069,"direction":8},[4070,4072],{"mode":33,"text":4071,"type":35,"style":24,"detail":25,"format":26,"version":26},"Longer-term decisions:",{"mode":33,"text":4073,"type":35,"style":24,"detail":25,"format":25,"version":26}," money not required for the transition, considered only after the first two needs are covered.",{"type":38,"format":811,"indent":25,"version":26,"children":4075,"direction":8,"textStyle":24,"textFormat":25},[4076],{"mode":33,"text":4077,"type":35,"style":24,"detail":25,"format":25,"version":26},"Avoid committing the entire payment to a pension, investment or mortgage repayment before checking access needs. Repaying borrowing may help, but review early repayment charges and the cash you would retain. Contact your lender early if repayments may become difficult.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4079,"direction":8},[4080],{"mode":33,"text":4081,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check State supports",{"type":38,"format":811,"indent":25,"version":26,"children":4083,"direction":8,"textStyle":24,"textFormat":25},[4084],{"mode":33,"text":4085,"type":35,"style":24,"detail":25,"format":25,"version":26},"Jobseeker’s Pay-Related Benefit may be available to eligible people who become fully unemployed, subject to PRSI and other conditions. Receiving a redundancy payment does not itself affect eligibility for this benefit. It is not a retirement payment: availability for and active pursuit of work are among the conditions.",{"type":38,"format":811,"indent":25,"version":26,"children":4087,"direction":8,"textStyle":24,"textFormat":25},[4088,4090,4097],{"mode":33,"text":4089,"type":35,"style":24,"detail":25,"format":25,"version":26},"Other supports, including Jobseeker’s Allowance, have different rules and may be means-tested. Check your position with Intreo rather than assuming a redundancy payment rules out assistance. ",{"id":4091,"type":837,"fields":4092,"format":24,"indent":25,"version":11,"children":4094,"direction":8},"6ae908af8eac7fbfe6391cf2",{"url":4093,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.gov.ie\u002Fen\u002Fdepartment-of-social-protection\u002Fservices\u002Fjobseekers-pay-related-benefit\u002F",[4095],{"mode":33,"text":4096,"type":35,"style":24,"detail":25,"format":25,"version":26},"Department of Social Protection: Jobseeker’s Pay-Related Benefit",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4099,"direction":8},[4100],{"mode":33,"text":4101,"type":35,"style":24,"detail":25,"format":25,"version":26},"4. Review your workplace pension",{"type":38,"format":811,"indent":25,"version":26,"children":4103,"direction":8,"textStyle":24,"textFormat":25},[4104,4106,4108],{"mode":33,"text":4105,"type":35,"style":24,"detail":25,"format":25,"version":26},"Redundancy does not necessarily mean losing pension benefits already built up. The outcome depends on your arrangement, qualifying service and scheme rules. Ask the administrator for your ",{"mode":33,"text":4107,"type":35,"style":24,"detail":25,"format":26,"version":26},"leaving-service options",{"mode":33,"text":4109,"type":35,"style":24,"detail":25,"format":25,"version":26},", current benefit statement and confirmation of when contributions stop.",{"type":38,"format":811,"indent":25,"version":26,"children":4111,"direction":8,"textStyle":24,"textFormat":25},[4112,4114,4121],{"mode":33,"text":4113,"type":35,"style":24,"detail":25,"format":25,"version":26},"Possible routes can include leaving a preserved benefit in the scheme or transferring to another eligible pension arrangement. Compare charges, investment choices, retirement access, death benefits and any guarantees before deciding. A transfer is not automatically an improvement. ",{"id":4115,"type":837,"fields":4116,"format":24,"indent":25,"version":11,"children":4118,"direction":8},"6ae908af8eac7fbfe6391cf3",{"url":4117,"newTab":6,"linkType":840},"https:\u002F\u002Fpensionsauthority.ie\u002Fweb-page\u002Fhow-does-my-pension-scheme-work\u002F",[4119],{"mode":33,"text":4120,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Pensions Authority explains benefits on leaving employment",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4123,"direction":8,"textStyle":24,"textFormat":25},[4124,4126,4133],{"mode":33,"text":4125,"type":35,"style":24,"detail":25,"format":25,"version":26},"A Personal Retirement Bond, also called a buy-out bond, is one possible destination for eligible occupational pension benefits. It holds retirement benefits in your name; it is not an accessible savings account or a payment of cash to you. ",{"id":4127,"type":837,"fields":4128,"format":24,"indent":25,"version":11,"children":4130,"direction":8},"6ae908af8eac7fbfe6391cf4",{"url":4129,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.zurich.ie\u002Fpensions-retirement\u002Fchoosing-your-pension\u002Fpersonal-retirement-bonds\u002F",[4131],{"mode":33,"text":4132,"type":35,"style":24,"detail":25,"format":25,"version":26},"Zurich Ireland: Personal Retirement Bonds",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4135,"direction":8,"textStyle":24,"textFormat":25},[4136,4138,4145],{"mode":33,"text":4137,"type":35,"style":24,"detail":25,"format":25,"version":26},"If you have short pension-scheme service, ask specifically what you can preserve or transfer and whether a contribution refund is available. A refund may be taxed and may not include employer contributions. Do not assume two years with the employer is the same as two years’ pension membership. ",{"id":4139,"type":837,"fields":4140,"format":24,"indent":25,"version":11,"children":4142,"direction":8},"6ae908af8eac7fbfe6391cf5",{"url":4141,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.irishlife.ie\u002Fcompany-pensions\u002Fmembers\u002Fleaving-pension\u002F",[4143],{"mode":33,"text":4144,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life: Leaving a company pension",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4147,"direction":8},[4148],{"mode":33,"text":4149,"type":35,"style":24,"detail":25,"format":25,"version":26},"Take particular care near retirement",{"type":38,"format":811,"indent":25,"version":26,"children":4151,"direction":8,"textStyle":24,"textFormat":25},[4152,4154,4160],{"mode":33,"text":4153,"type":35,"style":24,"detail":25,"format":25,"version":26},"Some occupational pension arrangements may permit early retirement from age 50 after leaving the relevant employment, subject to scheme rules and approvals. Redundancy does not create a universal right to cash in every pension. Taking benefits early can leave less for later retirement. ",{"id":4155,"type":837,"fields":4156,"format":24,"indent":25,"version":11,"children":4157,"direction":8},"6ae908af8eac7fbfe6391cf6",{"url":4141,"newTab":6,"linkType":840},[4158],{"mode":33,"text":4159,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life explains early-access considerations",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4162,"direction":8,"textStyle":24,"textFormat":25},[4163],{"mode":33,"text":4164,"type":35,"style":24,"detail":25,"format":25,"version":26},"If you have a defined benefit pension, assess the deferred pension and benefits you would surrender before considering a transfer. Have retirement and redundancy tax calculations considered together, particularly before making a pension lump-sum election.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4166,"direction":8},[4167],{"mode":33,"text":4168,"type":35,"style":24,"detail":25,"format":25,"version":26},"5. Find out what happens to your insurance",{"type":38,"format":811,"indent":25,"version":26,"children":4170,"direction":8,"textStyle":24,"textFormat":25},[4171],{"mode":33,"text":4172,"type":35,"style":24,"detail":25,"format":25,"version":26},"The value of a job includes more than salary. Losing employer-funded protection can leave a gap even if the redundancy payment covers current bills.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4174,"direction":8},[4175],{"mode":33,"text":4176,"type":35,"style":24,"detail":25,"format":25,"version":26},"Life cover and death-in-service benefits",{"type":38,"format":811,"indent":25,"version":26,"children":4178,"direction":8,"textStyle":24,"textFormat":25},[4179],{"mode":33,"text":4180,"type":35,"style":24,"detail":25,"format":25,"version":26},"Confirm the end date, amount of cover and any dependants’ benefits. Ask whether your scheme offers an extension or conversion to an individual policy and obtain the application deadline in writing.",{"type":38,"format":811,"indent":25,"version":26,"children":4182,"direction":8,"textStyle":24,"textFormat":25},[4183,4185,4192],{"mode":33,"text":4184,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life’s group protection guidance describes conditional life-cover continuation options and discretionary extensions in redundancy situations. These are not automatic rights under every employer’s scheme, and they do not mean income protection continues on the same basis. Check your own insurer’s written terms. ",{"id":4186,"type":837,"fields":4187,"format":24,"indent":25,"version":11,"children":4189,"direction":8},"6ae908af8eac7fbfe6391cf7",{"url":4188,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.irishlifeemployersolutions.ie\u002Fdownload?c=02_Product_Brochures&d=50_Group_Risk_Insurance&f=90_Group_Risk_Technical_Guide.pdf",[4190],{"mode":33,"text":4191,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life: Group Protection Guide",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4194,"direction":8},[4195],{"mode":33,"text":225,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4197,"direction":8,"textStyle":24,"textFormat":26},[4198,4200],{"mode":33,"text":4199,"type":35,"style":24,"detail":25,"format":26,"version":26},"Income protection generally covers inability to work because of illness or injury, not redundancy itself.",{"mode":33,"text":4201,"type":35,"style":24,"detail":25,"format":25,"version":26}," Do not budget for a claim simply because your salary stops.",{"type":38,"format":811,"indent":25,"version":26,"children":4203,"direction":8,"textStyle":24,"textFormat":25},[4204,4206,4213],{"mode":33,"text":4205,"type":35,"style":24,"detail":25,"format":25,"version":26},"Employer-funded and personally owned policies can work differently. Ask what ceases, what can continue, whether a change of occupation or employment status affects benefits, and whether premiums remain payable. Aviva Ireland’s brochure illustrates that some personal arrangements can continue after redundancy while restricting claims during a job search; the exact policy conditions govern. ",{"id":4207,"type":837,"fields":4208,"format":24,"indent":25,"version":11,"children":4210,"direction":8},"6ae908af8eac7fbfe6391cf8",{"url":4209,"newTab":6,"linkType":840},"https:\u002F\u002Fstatic.aviva.io\u002Fcontent\u002Fdam\u002Faviva-public\u002Fie\u002Fpdfs\u002F2.405-income-protection-brochure.pdf",[4211],{"mode":33,"text":4212,"type":35,"style":24,"detail":25,"format":25,"version":26},"Aviva Ireland: Income Protection brochure",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4215,"direction":8,"textStyle":24,"textFormat":25},[4216],{"mode":33,"text":4217,"type":35,"style":24,"detail":25,"format":25,"version":26},"If you are already ill, absent from work or receiving a benefit, get advice on your existing position before agreeing termination terms. Do not assume a new policy will replace existing rights.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4219,"direction":8},[4220],{"mode":33,"text":4221,"type":35,"style":24,"detail":25,"format":25,"version":26},"Health insurance",{"type":38,"format":811,"indent":25,"version":26,"children":4223,"direction":8,"textStyle":24,"textFormat":25},[4224,4226,4233],{"mode":33,"text":4225,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check cover for you and any family members before the employer stops paying. You may be able to take over payments or arrange another policy, depending on how the cover is set up. Confirm continuity, benefits and premiums directly with the insurer before cancelling anything. ",{"id":4227,"type":837,"fields":4228,"format":24,"indent":25,"version":11,"children":4230,"direction":8},"6ae908af8eac7fbfe6391cf9",{"url":4229,"newTab":6,"linkType":840},"https:\u002F\u002Fwww1.vhi.ie\u002Fhelp-and-support\u002Fpolicy-changes?subject=policychanges",[4231],{"mode":33,"text":4232,"type":35,"style":24,"detail":25,"format":25,"version":26},"Vhi: Policy changes when leaving a job",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4235,"direction":8},[4236],{"mode":33,"text":4237,"type":35,"style":24,"detail":25,"format":25,"version":26},"6. Why seek financial advice early?",{"type":38,"format":811,"indent":25,"version":26,"children":4239,"direction":8,"textStyle":24,"textFormat":25},[4240],{"mode":33,"text":4241,"type":35,"style":24,"detail":25,"format":25,"version":26},"Redundancy brings several connected decisions into a short period. The option that produces the highest payment today may not best support your household or retirement.",{"type":38,"format":811,"indent":25,"version":26,"children":4243,"direction":8,"textStyle":24,"textFormat":25},[4244],{"mode":33,"text":4245,"type":35,"style":24,"detail":25,"format":25,"version":26},"A financial review can help you:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4247,"listType":128,"direction":8},[4248,4252,4256,4260,4264],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4249,"direction":8},[4250],{"mode":33,"text":4251,"type":35,"style":24,"detail":25,"format":25,"version":26},"Assess the package alongside your household budget and future plans.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4253,"direction":8},[4254],{"mode":33,"text":4255,"type":35,"style":24,"detail":25,"format":25,"version":26},"Identify pension choices and insurance deadlines requiring attention.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4257,"direction":8},[4258],{"mode":33,"text":4259,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare keeping money accessible with debt repayment or longer-term saving.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4261,"direction":8},[4262],{"mode":33,"text":4263,"type":35,"style":24,"detail":25,"format":25,"version":26},"Consider how a career change, self-employment or earlier retirement would affect the plan.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":4265,"direction":8},[4266],{"mode":33,"text":4267,"type":35,"style":24,"detail":25,"format":25,"version":26},"Coordinate the financial picture with payroll, your tax adviser, pension administrator and solicitor.",{"type":38,"format":811,"indent":25,"version":26,"children":4269,"direction":8,"textStyle":24,"textFormat":25},[4270],{"mode":33,"text":4271,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask what the advice covers, its costs and any commission, and which decisions require a separate specialist. Advice cannot guarantee a particular tax outcome, investment return or future income, but it can help you understand the trade-offs before committing.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4273,"direction":8},[4274],{"mode":33,"text":4275,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your redundancy checklist",{"type":38,"format":811,"indent":25,"version":26,"children":4277,"direction":8,"textStyle":24,"textFormat":25},[4278],{"mode":33,"text":4279,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before accepting or acting on an offer, gather:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4281,"listType":128,"direction":8},[4282,4286,4290,4294,4298,4302],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4283,"direction":8},[4284],{"mode":33,"text":4285,"type":35,"style":24,"detail":25,"format":25,"version":26},"The written package, employment contract and proposed settlement agreement.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4287,"direction":8},[4288],{"mode":33,"text":4289,"type":35,"style":24,"detail":25,"format":25,"version":26},"A gross-to-net calculation and details of any previous termination payments.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4291,"direction":8},[4292],{"mode":33,"text":4293,"type":35,"style":24,"detail":25,"format":25,"version":26},"Pension statements, leaving-service options and pension lump-sum information.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4295,"direction":8},[4296],{"mode":33,"text":4297,"type":35,"style":24,"detail":25,"format":25,"version":26},"Written insurance end dates, continuation terms and application deadlines.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":4299,"direction":8},[4300],{"mode":33,"text":4301,"type":35,"style":24,"detail":25,"format":25,"version":26},"A household budget, savings and debts, and known upcoming costs.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":4303,"direction":8},[4304],{"mode":33,"text":4305,"type":35,"style":24,"detail":25,"format":25,"version":26},"A list of decisions, who will advise on each and the deadline for action.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4307,"direction":8},[4308],{"mode":33,"text":4309,"type":35,"style":24,"detail":25,"format":25,"version":26},"Talk to Indigo Investment Group",{"type":38,"format":811,"indent":25,"version":26,"children":4311,"direction":8,"textStyle":24,"textFormat":25},[4312],{"mode":33,"text":4313,"type":35,"style":24,"detail":25,"format":25,"version":26},"If redundancy is on the horizon, contact Indigo Investment Group to discuss tailored financial advice. Reviewing your package, pension and protection together can help you make decisions with a clearer view of both immediate needs and longer-term goals.",{"type":38,"format":811,"indent":25,"version":26,"children":4315,"direction":8,"textStyle":24,"textFormat":25},[4316,4318,4324],{"mode":33,"text":4317,"type":35,"style":24,"detail":25,"format":25,"version":26},"Email ",{"id":4319,"type":837,"fields":4320,"format":24,"indent":25,"version":11,"children":4322,"direction":8},"6ae908af8eac7fbfe6391cfa",{"url":4321,"newTab":6,"linkType":840},"mailto:enquiries@iig.ie",[4323],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":4325,"type":35,"style":24,"detail":25,"format":25,"version":26}," to arrange a conversation about your circumstances and the scope and cost of advice.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4327,"direction":8},[4328],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4330,"direction":8,"textStyle":24,"textFormat":25},[4331],{"mode":33,"text":4332,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide provides general information for employees in the Republic of Ireland. It is not personal financial, pension, legal or tax advice and does not determine your employment rights or individual entitlements. Information and linked sources were reviewed on 2 November 2026; legislation, tax rules, provider terms and scheme conditions can change.",{"type":38,"format":811,"indent":25,"version":26,"children":4334,"direction":8,"textStyle":24,"textFormat":25},[4335],{"mode":33,"text":4336,"type":35,"style":24,"detail":25,"format":25,"version":26},"Provider examples explain possible features, not benefits guaranteed to every reader. Your employer’s scheme, policy documents and individual circumstances determine the options available. Obtain appropriate advice before signing a settlement, waiving pension rights, transferring a pension or taking retirement benefits.",{"type":38,"format":811,"indent":25,"version":26,"children":4338,"direction":8,"textStyle":24,"textFormat":26},[4339],{"mode":33,"text":1138,"type":35,"style":24,"detail":25,"format":26,"version":26},{"title":4341,"description":3853,"image":8},"Navigating Redundancy | Indigo Investment Group","2026-11-02T22:46:33.352Z","2026-11-02T22:02:20.888Z",{"id":4345,"title":4346,"generateSlug":6,"url_title":4347,"sortOrder":1160,"type":144,"parent":4348,"page_heading":4346,"intro":4359,"image":4360,"content":4367,"seo":4849,"updatedAt":4851,"createdAt":4852},64,"Divorce and Separation","divorce-and-separation",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":4349,"seo":4358,"updatedAt":163,"createdAt":163},{"root":4350},{"type":23,"format":24,"indent":25,"version":26,"children":4351,"direction":36},[4352,4355],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":4353,"direction":36},[4354],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":4356,"direction":36,"textStyle":24,"textFormat":25},[4357],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"Financial considerations and planning through divorce and separation.",{"id":4361,"alt":4346,"_objectKey":8,"updatedAt":4362,"createdAt":4363,"url":4364,"thumbnailURL":8,"filename":4365,"mimeType":171,"filesize":4366,"width":467,"height":173,"focalX":175,"focalY":175},19,"2026-11-02T23:21:02.591Z","2026-11-02T22:46:44.685Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fdivorce-and-separation-1.jpg","divorce-and-separation-1.jpg",253101,{"root":4368},{"type":23,"format":24,"indent":25,"version":26,"children":4369,"direction":8},[4370,4373,4377,4381,4385,4389,4393,4397,4423,4435,4439,4443,4455,4459,4463,4467,4471,4485,4489,4501,4505,4509,4513,4517,4521,4533,4545,4549,4553,4557,4561,4565,4569,4591,4595,4607,4611,4615,4619,4623,4627,4639,4643,4647,4657,4661,4665,4669,4681,4685,4689,4701,4713,4717,4721,4733,4745,4749,4753,4757,4761,4765,4769,4773,4811,4814,4818,4828,4831,4835,4839,4843,4846],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4371,"direction":8},[4372],{"mode":33,"text":4346,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4374,"direction":8,"textStyle":24,"textFormat":26},[4375],{"mode":33,"text":4376,"type":35,"style":24,"detail":25,"format":26,"version":26},"Financial planning through change, with a clearer view of what comes next",{"type":38,"format":811,"indent":25,"version":26,"children":4378,"direction":8,"textStyle":24,"textFormat":25},[4379],{"mode":33,"text":4380,"type":35,"style":24,"detail":25,"format":25,"version":26},"Separation or divorce can change almost every part of your financial life. A household income may need to support two homes, while decisions about property, pensions and children’s needs can shape your finances for years.",{"type":38,"format":811,"indent":25,"version":26,"children":4382,"direction":8,"textStyle":24,"textFormat":25},[4383],{"mode":33,"text":4384,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial planning can help you understand what is affordable, assess the longer-term effect of different arrangements and rebuild a plan around your circumstances. It should work alongside legal advice, not replace it.",{"type":38,"format":811,"indent":25,"version":26,"children":4386,"direction":8,"textStyle":24,"textFormat":25},[4387],{"mode":33,"text":4388,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide highlights the financial questions worth considering in Ireland, whether discussions are just beginning or you are preparing for life after a settlement.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4390,"direction":8},[4391],{"mode":33,"text":4392,"type":35,"style":24,"detail":25,"format":25,"version":26},"1. Start with a clear financial picture",{"type":38,"format":811,"indent":25,"version":26,"children":4394,"direction":8,"textStyle":24,"textFormat":25},[4395],{"mode":33,"text":4396,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before making major decisions, gather a complete record of income, assets, debts and commitments. Include:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4398,"listType":128,"direction":8},[4399,4403,4407,4411,4415,4419],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4400,"direction":8},[4401],{"mode":33,"text":4402,"type":35,"style":24,"detail":25,"format":25,"version":26},"Earnings, maintenance, benefits and other income.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4404,"direction":8},[4405],{"mode":33,"text":4406,"type":35,"style":24,"detail":25,"format":25,"version":26},"Current accounts, savings, investments and business interests.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4408,"direction":8},[4409],{"mode":33,"text":4410,"type":35,"style":24,"detail":25,"format":25,"version":26},"Property ownership, mortgages, loans and credit cards.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4412,"direction":8},[4413],{"mode":33,"text":4414,"type":35,"style":24,"detail":25,"format":25,"version":26},"Workplace and personal pensions, including older arrangements.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":4416,"direction":8},[4417],{"mode":33,"text":4418,"type":35,"style":24,"detail":25,"format":25,"version":26},"Life assurance, mortgage protection, income protection and health insurance.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":4420,"direction":8},[4421],{"mode":33,"text":4422,"type":35,"style":24,"detail":25,"format":25,"version":26},"Children’s expenses and other regular household costs.",{"type":38,"format":811,"indent":25,"version":26,"children":4424,"direction":8,"textStyle":24,"textFormat":25},[4425,4427,4434],{"mode":33,"text":4426,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep current statements and note ownership, access restrictions and any joint liabilities. Your solicitor can explain the financial disclosure required for the legal process. The Law Society’s guidance describes the role of an Affidavit of Means in recording assets, income, debts, pensions and expenditure. ",{"id":4428,"type":837,"fields":4429,"format":24,"indent":25,"version":11,"children":4431,"direction":8},"6ae90a4f8eac7fbfe6391cfb",{"url":4430,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.lawsociety.ie\u002FPublic\u002FLegal-guides\u002FFamily-law\u002FSeparation-and-Divorce",[4432],{"mode":33,"text":4433,"type":35,"style":24,"detail":25,"format":25,"version":26},"Law Society of Ireland: Separation and divorce",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4436,"direction":8},[4437],{"mode":33,"text":4438,"type":35,"style":24,"detail":25,"format":25,"version":26},"Build a budget for the next stage",{"type":38,"format":811,"indent":25,"version":26,"children":4440,"direction":8,"textStyle":24,"textFormat":25},[4441],{"mode":33,"text":4442,"type":35,"style":24,"detail":25,"format":25,"version":26},"Prepare a realistic monthly budget for your expected living arrangements. Include rent or mortgage payments, utilities, transport, childcare, insurance, legal costs and irregular bills. Some costs previously shared may now need to be paid twice.",{"type":38,"format":811,"indent":25,"version":26,"children":4444,"direction":8,"textStyle":24,"textFormat":25},[4445,4447,4454],{"mode":33,"text":4446,"type":35,"style":24,"detail":25,"format":25,"version":26},"Separate confirmed income from payments that are still being discussed. Test how the budget would cope with an unexpected bill or interruption to earnings. Irish Life’s guidance for single parents also highlights budgeting and clear savings goals as practical foundations for financial planning. ",{"id":4448,"type":837,"fields":4449,"format":24,"indent":25,"version":11,"children":4451,"direction":8},"6ae90a4f8eac7fbfe6391cfc",{"url":4450,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.irishlife.ie\u002Fblog\u002Ffinances-single-parent\u002F",[4452],{"mode":33,"text":4453,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life: Finances as a single parent",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4456,"direction":8,"textStyle":24,"textFormat":25},[4457],{"mode":33,"text":4458,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before changing joint accounts, cancelling payments or moving shared money, take legal advice and speak to the relevant bank. Keep essential bills visible and agree practical payment arrangements where possible.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4460,"direction":8},[4461],{"mode":33,"text":4462,"type":35,"style":24,"detail":25,"format":25,"version":26},"2. Assess the family home and mortgage together",{"type":38,"format":811,"indent":25,"version":26,"children":4464,"direction":8,"textStyle":24,"textFormat":25},[4465],{"mode":33,"text":4466,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keeping the family home may be important, especially where children are involved. The financial question is whether the full arrangement is sustainable, including mortgage repayments, maintenance, insurance, utilities and repairs.",{"type":38,"format":811,"indent":25,"version":26,"children":4468,"direction":8,"textStyle":24,"textFormat":25},[4469],{"mode":33,"text":4470,"type":35,"style":24,"detail":25,"format":25,"version":26},"Possible arrangements may involve a sale, a buyout or continued joint ownership. Your solicitor should explain the legal implications; your lender must assess any proposed change to the borrowing.",{"type":38,"format":811,"indent":25,"version":26,"children":4472,"direction":8,"textStyle":24,"textFormat":26},[4473,4475,4477,4484],{"mode":33,"text":4474,"type":35,"style":24,"detail":25,"format":26,"version":26},"A separation agreement or court arrangement does not automatically remove a borrower from a joint mortgage.",{"mode":33,"text":4476,"type":35,"style":24,"detail":25,"format":25,"version":26}," Property ownership and liability under the mortgage contract are different matters. The lender’s agreement is needed to release a borrower, and affordability can prevent a transfer into one name. An Irish Financial Services and Pensions Ombudsman case illustrates this distinction. ",{"id":4478,"type":837,"fields":4479,"format":24,"indent":25,"version":11,"children":4481,"direction":8},"6ae90a4f8eac7fbfe6391cfd",{"url":4480,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.fspo.ie\u002Fcomplaint-outcomes\u002Fmediation\u002Fmediation-case-studies\u002Fcase-study\u002F2020-MCS5",[4482],{"mode":33,"text":4483,"type":35,"style":24,"detail":25,"format":25,"version":26},"FSPO: Request to move a joint mortgage to a single mortgage",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4486,"direction":8,"textStyle":24,"textFormat":25},[4487],{"mode":33,"text":4488,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not base a settlement on an assumed mortgage approval. Check borrowing options, any buyout funding and the timing of legal and lending steps before making commitments.",{"type":38,"format":811,"indent":25,"version":26,"children":4490,"direction":8,"textStyle":24,"textFormat":25},[4491,4493,4500],{"mode":33,"text":4492,"type":35,"style":24,"detail":25,"format":25,"version":26},"If repayments are becoming difficult, contact the lender early. Bank of Ireland’s guidance identifies divorce as a circumstance that can affect repayment capacity and encourages early engagement. ",{"id":4494,"type":837,"fields":4495,"format":24,"indent":25,"version":11,"children":4497,"direction":8},"6ae90a4f8eac7fbfe6391cfe",{"url":4496,"newTab":6,"linkType":840},"https:\u002F\u002Fpersonalbanking.bankofireland.com\u002Fborrow\u002Fmortgages\u002Fmanage-my-mortgage\u002Farrears-support\u002F",[4498],{"mode":33,"text":4499,"type":35,"style":24,"detail":25,"format":25,"version":26},"Bank of Ireland: Mortgage support",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4502,"direction":8},[4503],{"mode":33,"text":4504,"type":35,"style":24,"detail":25,"format":25,"version":26},"3. Review pensions and retirement planning",{"type":38,"format":811,"indent":25,"version":26,"children":4506,"direction":8,"textStyle":24,"textFormat":25},[4507],{"mode":33,"text":4508,"type":35,"style":24,"detail":25,"format":25,"version":26},"A pension may be one of the largest assets involved, even though it cannot usually meet today’s living costs. Obtain information on every arrangement rather than relying on a single fund value or annual statement.",{"type":38,"format":811,"indent":25,"version":26,"children":4510,"direction":8,"textStyle":24,"textFormat":25},[4511],{"mode":33,"text":4512,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask about retirement income, lump-sum options, charges, guarantees and death benefits. Defined benefit promises and defined contribution funds should not be compared as though they were the same type of asset.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4514,"direction":8},[4515],{"mode":33,"text":4516,"type":35,"style":24,"detail":25,"format":25,"version":26},"Pension adjustment orders",{"type":38,"format":811,"indent":25,"version":26,"children":4518,"direction":8,"textStyle":24,"textFormat":25},[4519],{"mode":33,"text":4520,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish courts can make a Pension Adjustment Order (PAO) directing how specified pension benefits are allocated. A private agreement does not, by itself, instruct pension trustees to divide benefits. Separate PAOs are needed for separate private pension arrangements where an allocation is ordered.",{"type":38,"format":811,"indent":25,"version":26,"children":4522,"direction":8,"textStyle":24,"textFormat":25},[4523,4525,4532],{"mode":33,"text":4524,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement benefits and contingent benefits, such as death-in-service benefits, require distinct consideration. The Pensions Authority states that an order concerning contingent benefits must be made within 12 months of the decree of judicial separation or divorce. Obtain legal advice promptly about the rules and deadlines applying to your case. ",{"id":4526,"type":837,"fields":4527,"format":24,"indent":25,"version":11,"children":4529,"direction":8},"6ae90a4f8eac7fbfe6391cff",{"url":4528,"newTab":6,"linkType":840},"https:\u002F\u002Fpensionsauthority.ie\u002Fscheme-members-and-prsa-contributors\u002Funderstanding-pensions\u002Fpensions_on_separation_and_divorce\u002Fpension_adjustment_orders_paos_\u002F",[4530],{"mode":33,"text":4531,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Pensions Authority: Pension adjustment orders",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4534,"direction":8,"textStyle":24,"textFormat":25},[4535,4537,4544],{"mode":33,"text":4536,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your solicitor, pension specialist and scheme administrator should coordinate the wording and implementation of any order. Public service arrangements may require scheme-specific procedures. ",{"id":4538,"type":837,"fields":4539,"format":24,"indent":25,"version":11,"children":4541,"direction":8},"6ae90a4f8eac7fbfe6391d00",{"url":4540,"newTab":6,"linkType":840},"https:\u002F\u002Fpublicservicepensions.gov.ie\u002Fen\u002Ftopic\u002Ffamily-law-guidelines-and-allocation-of-pension\u002F",[4542],{"mode":33,"text":4543,"type":35,"style":24,"detail":25,"format":25,"version":26},"Public Service Pensions: Family law guidelines",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4546,"direction":8},[4547],{"mode":33,"text":4548,"type":35,"style":24,"detail":25,"format":25,"version":26},"Rebuild your own retirement plan",{"type":38,"format":811,"indent":25,"version":26,"children":4550,"direction":8,"textStyle":24,"textFormat":25},[4551],{"mode":33,"text":4552,"type":35,"style":24,"detail":25,"format":25,"version":26},"Once entitlements are understood, reassess the retirement income you may need, the benefits available and future contributions you can afford. A career break or reduced working hours may have affected pension provision.",{"type":38,"format":811,"indent":25,"version":26,"children":4554,"direction":8,"textStyle":24,"textFormat":25},[4555],{"mode":33,"text":4556,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare the long-term consequences of proposed arrangements, including keeping more property but fewer retirement assets. Equal headline values do not necessarily provide equal access, income or security. Avoid pension transfers, withdrawals or contribution changes without checking their interaction with the legal process and any existing order.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4558,"direction":8},[4559],{"mode":33,"text":4560,"type":35,"style":24,"detail":25,"format":25,"version":26},"4. Keep children’s education in the plan",{"type":38,"format":811,"indent":25,"version":26,"children":4562,"direction":8,"textStyle":24,"textFormat":25},[4563],{"mode":33,"text":4564,"type":35,"style":24,"detail":25,"format":25,"version":26},"Children’s needs continue while family finances change. Record current costs and likely future commitments, including childcare, school expenses, transport, activities and third-level accommodation or living costs.",{"type":38,"format":811,"indent":25,"version":26,"children":4566,"direction":8,"textStyle":24,"textFormat":25},[4567],{"mode":33,"text":4568,"type":35,"style":24,"detail":25,"format":25,"version":26},"An education plan should identify:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4570,"listType":128,"direction":8},[4571,4575,4579,4583,4587],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4572,"direction":8},[4573],{"mode":33,"text":4574,"type":35,"style":24,"detail":25,"format":25,"version":26},"The costs to be covered and when money will be needed.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4576,"direction":8},[4577],{"mode":33,"text":4578,"type":35,"style":24,"detail":25,"format":25,"version":26},"Existing savings and who legally owns or controls them.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4580,"direction":8},[4581],{"mode":33,"text":4582,"type":35,"style":24,"detail":25,"format":25,"version":26},"Contributions each parent expects to make, subject to legal arrangements.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4584,"direction":8},[4585],{"mode":33,"text":4586,"type":35,"style":24,"detail":25,"format":25,"version":26},"How contributions and withdrawals will be recorded.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":4588,"direction":8},[4589],{"mode":33,"text":4590,"type":35,"style":24,"detail":25,"format":25,"version":26},"What happens if income, education plans or costs change.",{"type":38,"format":811,"indent":25,"version":26,"children":4592,"direction":8,"textStyle":24,"textFormat":25},[4593],{"mode":33,"text":4594,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not assume an education savings policy automatically belongs to the child or can be divided without consequences. Check ownership, withdrawal permissions, charges and tax before changing it.",{"type":38,"format":811,"indent":25,"version":26,"children":4596,"direction":8,"textStyle":24,"textFormat":25},[4597,4599,4606],{"mode":33,"text":4598,"type":35,"style":24,"detail":25,"format":25,"version":26},"Match the approach to the spending date and the household’s ability to absorb losses. Investment-based savings can fluctuate and may be unsuitable for money needed soon. Longer-term plans still need an affordable contribution level, suitable risk and regular review. Zurich Ireland’s education savings information explains available savings approaches; its products are examples, not a recommendation for every family. ",{"id":4600,"type":837,"fields":4601,"format":24,"indent":25,"version":11,"children":4603,"direction":8},"6ae90a4f8eac7fbfe6391d01",{"url":4602,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.zurich.ie\u002Fsavings-and-investments\u002Fsavings-options\u002Fsaving-for-education\u002F",[4604],{"mode":33,"text":4605,"type":35,"style":24,"detail":25,"format":25,"version":26},"Zurich Ireland: Saving for education",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4608,"direction":8,"textStyle":24,"textFormat":25},[4609],{"mode":33,"text":4610,"type":35,"style":24,"detail":25,"format":25,"version":26},"Have education commitments recorded appropriately with legal advice. A financial plan can help cost them, but does not make an informal promise legally enforceable.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4612,"direction":8},[4613],{"mode":33,"text":4614,"type":35,"style":24,"detail":25,"format":25,"version":26},"5. Protect the income your family relies on",{"type":38,"format":811,"indent":25,"version":26,"children":4616,"direction":8,"textStyle":24,"textFormat":25},[4617],{"mode":33,"text":4618,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review what would happen if either parent died, became seriously ill or could no longer work. Include earnings, maintenance and the unpaid childcare or care work that might need to be replaced.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4620,"direction":8},[4621],{"mode":33,"text":4622,"type":35,"style":24,"detail":25,"format":25,"version":26},"Life cover and mortgage protection",{"type":38,"format":811,"indent":25,"version":26,"children":4624,"direction":8,"textStyle":24,"textFormat":25},[4625],{"mode":33,"text":4626,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check who owns each policy, whose life is insured, who pays premiums and who would receive a claim. An assignment to a lender or a trust can affect how proceeds are paid. Mortgage protection should not be assumed to provide a separate fund for children or replace maintenance.",{"type":38,"format":811,"indent":25,"version":26,"children":4628,"direction":8,"textStyle":24,"textFormat":25},[4629,4631,4638],{"mode":33,"text":4630,"type":35,"style":24,"detail":25,"format":25,"version":26},"Some Irish policies offer a separation option, subject to eligibility and conditions. Royal London Ireland publishes a separation-option application process, but this does not mean every policy can be split or replaced on the same terms. Ask your provider to confirm the options before cancelling existing cover. ",{"id":4632,"type":837,"fields":4633,"format":24,"indent":25,"version":11,"children":4635,"direction":8},"6ae90a4f8eac7fbfe6391d02",{"url":4634,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.royallondon.ie\u002Fsiteassets\u002Fsite-docs\u002Fbroker-centre\u002Fforms\u002Frl-separation-option-form.pdf",[4636],{"mode":33,"text":4637,"type":35,"style":24,"detail":25,"format":25,"version":26},"Royal London Ireland: Separation Option",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4640,"direction":8,"textStyle":24,"textFormat":25},[4641],{"mode":33,"text":4642,"type":35,"style":24,"detail":25,"format":25,"version":26},"Any proposed cover for maintenance obligations should be coordinated with your solicitor. The amount, term, policy ownership and payment arrangements need to match the intended protection and legal requirements.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4644,"direction":8},[4645],{"mode":33,"text":4646,"type":35,"style":24,"detail":25,"format":25,"version":26},"Income protection and workplace benefits",{"type":38,"format":811,"indent":25,"version":26,"children":4648,"direction":8,"textStyle":24,"textFormat":25},[4649,4651,4656],{"mode":33,"text":4650,"type":35,"style":24,"detail":25,"format":25,"version":26},"Income protection generally addresses inability to work because of illness or injury, subject to policy terms. It does not normally replace income simply because maintenance stops or a relationship ends. Review the insured earnings, waiting period, benefit limits and affordability. ",{"id":4652,"type":837,"fields":4653,"format":24,"indent":25,"version":11,"children":4654,"direction":8},"6ae90a4f8eac7fbfe6391d03",{"url":4209,"newTab":6,"linkType":840},[4655],{"mode":33,"text":4212,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4658,"direction":8,"textStyle":24,"textFormat":25},[4659],{"mode":33,"text":4660,"type":35,"style":24,"detail":25,"format":25,"version":26},"Also check workplace life cover, pension death benefits and family health insurance. Ask the employer or insurer how a change in family status affects eligibility. Do not assume a policy nomination overrides scheme rules or a court order.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4662,"direction":8},[4663],{"mode":33,"text":4664,"type":35,"style":24,"detail":25,"format":25,"version":26},"6. Get mortgage ready again",{"type":38,"format":811,"indent":25,"version":26,"children":4666,"direction":8,"textStyle":24,"textFormat":25},[4667],{"mode":33,"text":4668,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether you want to buy a new home or take over the existing mortgage, begin with a borrowing assessment based on your new circumstances.",{"type":38,"format":811,"indent":25,"version":26,"children":4670,"direction":8,"textStyle":24,"textFormat":25},[4671,4673,4680],{"mode":33,"text":4672,"type":35,"style":24,"detail":25,"format":25,"version":26},"Prepare evidence of income, savings, spending, debts, dependants and maintenance obligations. The lender may require your separation agreement, divorce documentation or solicitor’s confirmation of relevant obligations. Bank of Ireland’s mortgage application guidance illustrates the financial records and legal documents that may be needed. ",{"id":4674,"type":837,"fields":4675,"format":24,"indent":25,"version":11,"children":4677,"direction":8},"6ae90a4f8eac7fbfe6391d04",{"url":4676,"newTab":6,"linkType":840},"https:\u002F\u002Fonlinemortgages.bankofireland.com\u002F",[4678],{"mode":33,"text":4679,"type":35,"style":24,"detail":25,"format":25,"version":26},"Bank of Ireland: Mortgage application information",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4682,"direction":8,"textStyle":24,"textFormat":25},[4683],{"mode":33,"text":4684,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check how the proposed lender treats maintenance paid or received, existing joint debt and any continuing property interest. Policies differ, and income that supports your household budget may not all be accepted for lending purposes. Allow for the deposit, legal costs, valuation, insurance and other purchase costs, as well as monthly repayments.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":4686,"direction":8},[4687],{"mode":33,"text":4688,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understand the “fresh start” provisions",{"type":38,"format":811,"indent":25,"version":26,"children":4690,"direction":8,"textStyle":24,"textFormat":25},[4691,4693,4700],{"mode":33,"text":4692,"type":35,"style":24,"detail":25,"format":25,"version":26},"Under the Central Bank’s mortgage measures, some separated or divorced borrowers may be treated as first-time buyers where they no longer have an interest in their previous property and meet the relevant criteria. Ask the lender to confirm your classification. ",{"id":4694,"type":837,"fields":4695,"format":24,"indent":25,"version":11,"children":4697,"direction":8},"6ae90a4f8eac7fbfe6391d05",{"url":4696,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.centralbank.ie\u002Ffinancial-system\u002Ffinancial-stability\u002Fmacro-prudential-policy\u002Fmortgage-measures\u002Fmortgage-measures-framework-review-public-engagement",[4698],{"mode":33,"text":4699,"type":35,"style":24,"detail":25,"format":25,"version":26},"Central Bank of Ireland: Fresh-start provisions",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4702,"direction":8,"textStyle":24,"textFormat":25},[4703,4705,4712],{"mode":33,"text":4704,"type":35,"style":24,"detail":25,"format":25,"version":26},"The general loan-to-income limits are four times gross income for first-time buyers and 3.5 times for subsequent buyers. These are regulatory limits, not an entitlement to borrow that amount: lender affordability checks and other requirements still apply. ",{"id":4706,"type":837,"fields":4707,"format":24,"indent":25,"version":11,"children":4709,"direction":8},"6ae90a4f8eac7fbfe6391d06",{"url":4708,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.centralbank.ie\u002Fconsumer-hub\u002Fexplainers\u002Fwhat-are-the-mortgage-measures",[4710],{"mode":33,"text":4711,"type":35,"style":24,"detail":25,"format":25,"version":26},"Central Bank of Ireland: Mortgage measures",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4714,"direction":8,"textStyle":24,"textFormat":25},[4715],{"mode":33,"text":4716,"type":35,"style":24,"detail":25,"format":25,"version":26},"Fresh-start treatment for mortgage measures does not automatically establish eligibility for tax reliefs or housing schemes, which have their own rules. Approval in principle is also not a guarantee of a final loan or drawdown.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4718,"direction":8},[4719],{"mode":33,"text":4720,"type":35,"style":24,"detail":25,"format":25,"version":26},"7. Review tax, wills and financial records",{"type":38,"format":811,"indent":25,"version":26,"children":4722,"direction":8,"textStyle":24,"textFormat":25},[4723,4725,4732],{"mode":33,"text":4724,"type":35,"style":24,"detail":25,"format":25,"version":26},"Tell Revenue about a relevant change in marital status and review your tax credits and assessment arrangements. A change can apply from the separation date rather than the date you notify Revenue. Eligibility for credits, including the Single Person Child Carer Credit, depends on the circumstances. ",{"id":4726,"type":837,"fields":4727,"format":24,"indent":25,"version":11,"children":4729,"direction":8},"6ae90a4f8eac7fbfe6391d07",{"url":4728,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Flife-events-and-personal-circumstances\u002Fmarital-status\u002Fseparation-divorce-and-civil-annulment\u002Findex.aspx",[4730],{"mode":33,"text":4731,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Separation and divorce",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4734,"direction":8,"textStyle":24,"textFormat":25},[4735,4737,4744],{"mode":33,"text":4736,"type":35,"style":24,"detail":25,"format":25,"version":26},"Maintenance for a former spouse and maintenance for children can have different tax treatment. Legally enforceable and voluntary payments can also be treated differently. Confirm the position before using a gross payment as spendable income. ",{"id":4738,"type":837,"fields":4739,"format":24,"indent":25,"version":11,"children":4741,"direction":8},"6ae90a4f8eac7fbfe6391d08",{"url":4740,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fadditional-incomes\u002Fmaintenance-payments\u002Flegally-enforceable-maintenance-payments.aspx",[4742],{"mode":33,"text":4743,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Maintenance payments",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4746,"direction":8,"textStyle":24,"textFormat":25},[4747],{"mode":33,"text":4748,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask your solicitor and tax adviser about property transfers, investments and any business interests before implementing a settlement. Do not assume every transfer is automatically tax-free.",{"type":38,"format":811,"indent":25,"version":26,"children":4750,"direction":8,"textStyle":24,"textFormat":25},[4751],{"mode":33,"text":4752,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review your will, guardianship wishes, pension nominations, insurance arrangements and contact details with appropriate advice. Changes may be constrained by legal obligations, policy ownership, trusts or scheme rules; changing a form alone may not achieve the intended result.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4754,"direction":8},[4755],{"mode":33,"text":4756,"type":35,"style":24,"detail":25,"format":25,"version":26},"How financial planning can help",{"type":38,"format":811,"indent":25,"version":26,"children":4758,"direction":8,"textStyle":24,"textFormat":25},[4759],{"mode":33,"text":4760,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial advice can bring the separate decisions into one picture. It can help you test living costs, compare scenarios, identify a retirement shortfall, plan children’s education and assess protection or mortgage needs.",{"type":38,"format":811,"indent":25,"version":26,"children":4762,"direction":8,"textStyle":24,"textFormat":25},[4763],{"mode":33,"text":4764,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your solicitor advises on rights and settlement terms. Tax and pension specialists may be needed for particular issues. A financial adviser helps assess how the resulting arrangements could work in practice; they do not decide what a court will consider a fair settlement.",{"type":38,"format":811,"indent":25,"version":26,"children":4766,"direction":8,"textStyle":24,"textFormat":25},[4767],{"mode":33,"text":4768,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask who the adviser acts for, what the service includes, how confidentiality and any conflicts are handled, and the fees or commission involved. Make sure you understand the assumptions behind projections and how the plan would adapt if income or circumstances changed.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4770,"direction":8},[4771],{"mode":33,"text":4772,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your financial planning checklist",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4774,"listType":128,"direction":8},[4775,4779,4783,4787,4791,4795,4799,4803,4807],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4776,"direction":8},[4777],{"mode":33,"text":4778,"type":35,"style":24,"detail":25,"format":25,"version":26},"Gather current statements for assets, debts, pensions and insurance.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4780,"direction":8},[4781],{"mode":33,"text":4782,"type":35,"style":24,"detail":25,"format":25,"version":26},"Prepare a budget for your expected living arrangements.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4784,"direction":8},[4785],{"mode":33,"text":4786,"type":35,"style":24,"detail":25,"format":25,"version":26},"Confirm joint mortgage liabilities and test any proposed buyout.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4788,"direction":8},[4789],{"mode":33,"text":4790,"type":35,"style":24,"detail":25,"format":25,"version":26},"Obtain pension information and advice on PAOs and deadlines.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":4792,"direction":8},[4793],{"mode":33,"text":4794,"type":35,"style":24,"detail":25,"format":25,"version":26},"Record children’s ongoing costs and education goals.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":4796,"direction":8},[4797],{"mode":33,"text":4798,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review life cover, income protection and policy ownership.",{"type":96,"value":607,"format":811,"indent":25,"version":26,"children":4800,"direction":8},[4801],{"mode":33,"text":4802,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check mortgage eligibility and the documents required.",{"type":96,"value":1227,"format":811,"indent":25,"version":26,"children":4804,"direction":8},[4805],{"mode":33,"text":4806,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review tax, wills and nominations with appropriate specialists.",{"type":96,"value":1160,"format":811,"indent":25,"version":26,"children":4808,"direction":8},[4809],{"mode":33,"text":4810,"type":35,"style":24,"detail":25,"format":25,"version":26},"Agree responsibilities, implementation steps and a review date.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4812,"direction":8},[4813],{"mode":33,"text":4309,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4815,"direction":8,"textStyle":24,"textFormat":25},[4816],{"mode":33,"text":4817,"type":35,"style":24,"detail":25,"format":25,"version":26},"Indigo Investment Group can help you review your financial priorities through separation or divorce and build a plan for the next stage of life. The aim is to give you a clearer understanding of your options, immediate commitments and longer-term needs.",{"type":38,"format":811,"indent":25,"version":26,"children":4819,"direction":8,"textStyle":24,"textFormat":25},[4820,4821,4826],{"mode":33,"text":1117,"type":35,"style":24,"detail":25,"format":25,"version":26},{"id":4822,"type":837,"fields":4823,"format":24,"indent":25,"version":11,"children":4824,"direction":8},"6ae90a4f8eac7fbfe6391d09",{"url":4321,"newTab":6,"linkType":840},[4825],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":4827,"type":35,"style":24,"detail":25,"format":25,"version":26}," to discuss tailored financial advice and the scope and cost of support appropriate to your circumstances.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4829,"direction":8},[4830],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4832,"direction":8,"textStyle":24,"textFormat":25},[4833],{"mode":33,"text":4834,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide provides general information for individuals in the Republic of Ireland. It is not personal financial, pension, mortgage, legal or tax advice and does not determine your rights, settlement or entitlements. Rules can differ for married couples, civil partners and cohabitants.",{"type":38,"format":811,"indent":25,"version":26,"children":4836,"direction":8,"textStyle":24,"textFormat":25},[4837],{"mode":33,"text":4838,"type":35,"style":24,"detail":25,"format":25,"version":26},"Information and linked Irish provider and official sources were reviewed on 2 November 2026. Legislation, tax rules, lender criteria and policy conditions may change. Provider examples do not establish that a particular feature is available under your policy or suitable for you.",{"type":38,"format":811,"indent":25,"version":26,"children":4840,"direction":8,"textStyle":24,"textFormat":25},[4841],{"mode":33,"text":4842,"type":35,"style":24,"detail":25,"format":25,"version":26},"Obtain appropriate advice before signing agreements, transferring assets, changing cover or altering pension arrangements. Mortgage approval is subject to lender assessment and conditions.",{"type":38,"format":811,"indent":25,"version":26,"children":4844,"direction":8,"textStyle":24,"textFormat":26},[4845],{"mode":33,"text":1138,"type":35,"style":24,"detail":25,"format":26,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4847,"direction":8,"textStyle":24,"textFormat":26},[4848],{"mode":33,"text":1941,"type":35,"style":24,"detail":25,"format":26,"version":26},{"title":4850,"description":4359,"image":8},"Divorce and Separation | Indigo Investment Group","2026-11-02T22:46:48.169Z","2026-11-02T22:02:21.285Z",{"id":4854,"title":4855,"generateSlug":6,"url_title":4856,"sortOrder":4857,"type":144,"parent":4858,"page_heading":4855,"intro":4869,"image":4870,"content":4877,"seo":5378,"updatedAt":5380,"createdAt":5381},65,"Retirement Planning","retirement-planning-guide",10,{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":4859,"seo":4868,"updatedAt":163,"createdAt":163},{"root":4860},{"type":23,"format":24,"indent":25,"version":26,"children":4861,"direction":36},[4862,4865],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":4863,"direction":36},[4864],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":4866,"direction":36,"textStyle":24,"textFormat":25},[4867],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"How to plan for retirement with clarity and confidence.",{"id":4871,"alt":4855,"_objectKey":8,"updatedAt":4872,"createdAt":4873,"url":4874,"thumbnailURL":8,"filename":4875,"mimeType":171,"filesize":4876,"width":467,"height":173,"focalX":175,"focalY":175},13,"2026-11-02T23:20:52.742Z","2026-11-02T22:44:54.380Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fretirement-planning.jpg","retirement-planning.jpg",230482,{"root":4878},{"type":23,"format":24,"indent":25,"version":26,"children":4879,"direction":8},[4880,4883,4887,4891,4895,4899,4903,4907,4911,4923,4927,4931,4953,4957,4961,4965,4969,4973,4977,4981,5003,5007,5011,5015,5019,5023,5027,5031,5069,5081,5093,5097,5109,5113,5117,5121,5125,5145,5149,5153,5157,5161,5165,5169,5173,5177,5181,5185,5189,5201,5205,5209,5213,5217,5229,5233,5237,5241,5245,5257,5261,5265,5269,5273,5277,5281,5285,5289,5293,5297,5301,5305,5343,5346,5350,5360,5363,5367,5371,5375],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4881,"direction":8},[4882],{"mode":33,"text":4855,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":4884,"direction":8,"textStyle":24,"textFormat":26},[4885],{"mode":33,"text":4886,"type":35,"style":24,"detail":25,"format":26,"version":26},"Start building the financial freedom to choose your future",{"type":38,"format":811,"indent":25,"version":26,"children":4888,"direction":8,"textStyle":24,"textFormat":25},[4889],{"mode":33,"text":4890,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement planning is about creating options: when you can step back from work, how you want to spend your time and what income will support that life. It brings pensions, savings, investments, property and other assets into one practical plan.",{"type":38,"format":811,"indent":25,"version":26,"children":4892,"direction":8,"textStyle":24,"textFormat":25},[4893],{"mode":33,"text":4894,"type":35,"style":24,"detail":25,"format":25,"version":26},"Starting earlier gives you more time to contribute, adjust and respond to change. If retirement is approaching, planning still matters. Understanding your position now is more useful than waiting for a perfect moment or assuming everything will work itself out.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4896,"direction":8},[4897],{"mode":33,"text":4898,"type":35,"style":24,"detail":25,"format":25,"version":26},"1. Why starting earlier matters",{"type":38,"format":811,"indent":25,"version":26,"children":4900,"direction":8,"textStyle":24,"textFormat":25},[4901],{"mode":33,"text":4902,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement may need to be funded for several decades. The money you build during working life must support spending long after your salary stops, while allowing for inflation, changing needs and uncertain investment returns.",{"type":38,"format":811,"indent":25,"version":26,"children":4904,"direction":8,"textStyle":24,"textFormat":25},[4905],{"mode":33,"text":4906,"type":35,"style":24,"detail":25,"format":25,"version":26},"Starting sooner spreads the saving effort over more years. It also gives invested contributions more time to benefit from potential growth and reinvested returns. That process is called compounding, but it works in both directions: losses, charges and withdrawals affect the amount left to grow.",{"type":38,"format":811,"indent":25,"version":26,"children":4908,"direction":8,"textStyle":24,"textFormat":25},[4909],{"mode":33,"text":4910,"type":35,"style":24,"detail":25,"format":25,"version":26},"An early plan gives you time to identify a shortfall and make manageable changes. Delaying may mean larger future contributions, a later retirement date or a different spending target. Higher investment risk is not a reliable way to make up for lost time.",{"type":38,"format":811,"indent":25,"version":26,"children":4912,"direction":8,"textStyle":24,"textFormat":25},[4913,4915,4922],{"mode":33,"text":4914,"type":35,"style":24,"detail":25,"format":25,"version":26},"You do not need a perfect forecast to begin. Start with what is affordable, understand the arrangement and review it regularly. Irish Life provides an overview of pension and retirement planning options for individuals in Ireland. ",{"id":4916,"type":837,"fields":4917,"format":24,"indent":25,"version":11,"children":4919,"direction":8},"6ae90add8eac7fbfe6391d28",{"url":4918,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.irishlife.ie\u002Fplan-your-retirement\u002F",[4920],{"mode":33,"text":4921,"type":35,"style":24,"detail":25,"format":25,"version":26},"Irish Life: Plan your retirement",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4924,"direction":8},[4925],{"mode":33,"text":4926,"type":35,"style":24,"detail":25,"format":25,"version":26},"2. Define the retirement you want",{"type":38,"format":811,"indent":25,"version":26,"children":4928,"direction":8,"textStyle":24,"textFormat":25},[4929],{"mode":33,"text":4930,"type":35,"style":24,"detail":25,"format":25,"version":26},"A useful plan starts with your life rather than a target fund size. Consider:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4932,"listType":128,"direction":8},[4933,4937,4941,4945,4949],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4934,"direction":8},[4935],{"mode":33,"text":4936,"type":35,"style":24,"detail":25,"format":25,"version":26},"When you would like to reduce work or stop completely.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4938,"direction":8},[4939],{"mode":33,"text":4940,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether a gradual transition or part-time work would suit you.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4942,"direction":8},[4943],{"mode":33,"text":4944,"type":35,"style":24,"detail":25,"format":25,"version":26},"Where you expect to live and whether a mortgage or rent will continue.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4946,"direction":8},[4947],{"mode":33,"text":4948,"type":35,"style":24,"detail":25,"format":25,"version":26},"Travel, interests, family commitments and possible care needs.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":4950,"direction":8},[4951],{"mode":33,"text":4952,"type":35,"style":24,"detail":25,"format":25,"version":26},"The income your household would need if one partner died first.",{"type":38,"format":811,"indent":25,"version":26,"children":4954,"direction":8,"textStyle":24,"textFormat":25},[4955],{"mode":33,"text":4956,"type":35,"style":24,"detail":25,"format":25,"version":26},"Build a spending estimate in today’s money, separating essentials from flexible spending. Include irregular costs such as home repairs, replacing a car and helping family. Allow for inflation rather than assuming the same euro amount will retain its purchasing power.",{"type":38,"format":811,"indent":25,"version":26,"children":4958,"direction":8,"textStyle":24,"textFormat":25},[4959],{"mode":33,"text":4960,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare that spending with income expected from State and workplace pensions and other sources. Identify when each source starts, whether it increases and what tax could apply. The remaining gap is what your other resources need to support.",{"type":38,"format":811,"indent":25,"version":26,"children":4962,"direction":8,"textStyle":24,"textFormat":25},[4963],{"mode":33,"text":4964,"type":35,"style":24,"detail":25,"format":25,"version":26},"Avoid relying on a fixed percentage of your current salary. A household with a mortgage, dependent children or substantial travel plans may have different needs from one with lower commitments. Use your own budget as the starting point.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":4966,"direction":8},[4967],{"mode":33,"text":4968,"type":35,"style":24,"detail":25,"format":25,"version":26},"3. Take stock of all your retirement resources",{"type":38,"format":811,"indent":25,"version":26,"children":4970,"direction":8,"textStyle":24,"textFormat":25},[4971],{"mode":33,"text":4972,"type":35,"style":24,"detail":25,"format":25,"version":26},"Gather statements for current and former workplace pensions, personal pensions, Personal Retirement Savings Accounts (PRSAs) and any other retirement arrangements. Check contributions, charges, investment funds, retirement dates and benefit projections.",{"type":38,"format":811,"indent":25,"version":26,"children":4974,"direction":8,"textStyle":24,"textFormat":25},[4975],{"mode":33,"text":4976,"type":35,"style":24,"detail":25,"format":25,"version":26},"A defined contribution pension depends on contributions, investment performance and charges. A defined benefit scheme promises benefits under its rules. Do not treat the two as interchangeable or assume a transfer improves your position.",{"type":38,"format":811,"indent":25,"version":26,"children":4978,"direction":8,"textStyle":24,"textFormat":25},[4979],{"mode":33,"text":4980,"type":35,"style":24,"detail":25,"format":25,"version":26},"Include the rest of your finances:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":4982,"listType":128,"direction":8},[4983,4987,4991,4995,4999],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":4984,"direction":8},[4985],{"mode":33,"text":4986,"type":35,"style":24,"detail":25,"format":25,"version":26},"Accessible cash and emergency reserves.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":4988,"direction":8},[4989],{"mode":33,"text":4990,"type":35,"style":24,"detail":25,"format":25,"version":26},"Investments outside pensions.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":4992,"direction":8},[4993],{"mode":33,"text":4994,"type":35,"style":24,"detail":25,"format":25,"version":26},"Property, rental income and associated borrowing.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":4996,"direction":8},[4997],{"mode":33,"text":4998,"type":35,"style":24,"detail":25,"format":25,"version":26},"Business interests and any planned sale or succession.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":5000,"direction":8},[5001],{"mode":33,"text":5002,"type":35,"style":24,"detail":25,"format":25,"version":26},"Mortgages, loans and other future commitments.",{"type":38,"format":811,"indent":25,"version":26,"children":5004,"direction":8,"textStyle":24,"textFormat":25},[5005],{"mode":33,"text":5006,"type":35,"style":24,"detail":25,"format":25,"version":26},"Distinguish wealth from spendable money. Your home may be valuable but does not automatically produce retirement income. Rental property can involve vacancies, repairs and tax. A business sale may happen later, or at a lower value, than expected.",{"type":38,"format":811,"indent":25,"version":26,"children":5008,"direction":8,"textStyle":24,"textFormat":25},[5009],{"mode":33,"text":5010,"type":35,"style":24,"detail":25,"format":25,"version":26},"Record what each asset is intended to do, when it can be accessed and what could disrupt the plan. Avoid depending entirely on one property, business or investment outcome.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5012,"direction":8},[5013],{"mode":33,"text":5014,"type":35,"style":24,"detail":25,"format":25,"version":26},"4. Understand how pensions fit into the plan",{"type":38,"format":811,"indent":25,"version":26,"children":5016,"direction":8,"textStyle":24,"textFormat":25},[5017],{"mode":33,"text":5018,"type":35,"style":24,"detail":25,"format":25,"version":26},"Pensions can provide a structured way to save for retirement, with tax treatment and access rules that differ from ordinary savings. The appropriate arrangement depends on employment, existing benefits and personal circumstances.",{"type":38,"format":811,"indent":25,"version":26,"children":5020,"direction":8,"textStyle":24,"textFormat":25},[5021],{"mode":33,"text":5022,"type":35,"style":24,"detail":25,"format":25,"version":26},"If your employer offers a pension, understand its contributions and any matching available. Check the scheme rather than assuming your own contribution alone will meet your future needs. Self-employed people and business owners should review suitable pension arrangements alongside business cash flow and tax advice.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5024,"direction":8},[5025],{"mode":33,"text":5026,"type":35,"style":24,"detail":25,"format":25,"version":26},"Personal contribution tax relief",{"type":38,"format":811,"indent":25,"version":26,"children":5028,"direction":8,"textStyle":24,"textFormat":25},[5029],{"mode":33,"text":5030,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue applies age-related limits to the earnings percentage eligible for personal pension contribution tax relief:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5032,"listType":128,"direction":8},[5033,5039,5045,5051,5057,5063],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5034,"direction":8},[5035,5037],{"mode":33,"text":5036,"type":35,"style":24,"detail":25,"format":26,"version":26},"Under 30:",{"mode":33,"text":5038,"type":35,"style":24,"detail":25,"format":25,"version":26}," 15%.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5040,"direction":8},[5041,5043],{"mode":33,"text":5042,"type":35,"style":24,"detail":25,"format":26,"version":26},"Age 30–39:",{"mode":33,"text":5044,"type":35,"style":24,"detail":25,"format":25,"version":26}," 20%.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5046,"direction":8},[5047,5049],{"mode":33,"text":5048,"type":35,"style":24,"detail":25,"format":26,"version":26},"Age 40–49:",{"mode":33,"text":5050,"type":35,"style":24,"detail":25,"format":25,"version":26}," 25%.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":5052,"direction":8},[5053,5055],{"mode":33,"text":5054,"type":35,"style":24,"detail":25,"format":26,"version":26},"Age 50–54:",{"mode":33,"text":5056,"type":35,"style":24,"detail":25,"format":25,"version":26}," 30%.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":5058,"direction":8},[5059,5061],{"mode":33,"text":5060,"type":35,"style":24,"detail":25,"format":26,"version":26},"Age 55–59:",{"mode":33,"text":5062,"type":35,"style":24,"detail":25,"format":25,"version":26}," 35%.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":5064,"direction":8},[5065,5067],{"mode":33,"text":5066,"type":35,"style":24,"detail":25,"format":26,"version":26},"Age 60 or over:",{"mode":33,"text":5068,"type":35,"style":24,"detail":25,"format":25,"version":26}," 40%.",{"type":38,"format":811,"indent":25,"version":26,"children":5070,"direction":8,"textStyle":24,"textFormat":25},[5071,5073,5080],{"mode":33,"text":5072,"type":35,"style":24,"detail":25,"format":25,"version":26},"The earnings taken into account are capped at €115,000 a year. Existing contributions count towards the relevant personal limit; the rules depend on qualifying earnings and the arrangement. These are tax-relief limits, not a recommended savings rate or a rule that all contributions are affordable. ",{"id":5074,"type":837,"fields":5075,"format":24,"indent":25,"version":11,"children":5077,"direction":8},"6ae90add8eac7fbfe6391d29",{"url":5076,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fjobs-and-pensions\u002Fpension\u002Frelief\u002Ftax-relief-limits.aspx",[5078],{"mode":33,"text":5079,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Tax relief limits",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5082,"direction":8,"textStyle":24,"textFormat":25},[5083,5085,5092],{"mode":33,"text":5084,"type":35,"style":24,"detail":25,"format":25,"version":26},"Personal contributions may qualify for Income Tax relief, but not USC or PRSI relief. Tax relief should support the plan rather than drive a decision that leaves you short of accessible money. ",{"id":5086,"type":837,"fields":5087,"format":24,"indent":25,"version":11,"children":5089,"direction":8},"6ae90add8eac7fbfe6391d2a",{"url":5088,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fjobs-and-pensions\u002Fpension\u002Frelief\u002Findex.aspx",[5090],{"mode":33,"text":5091,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Pension contribution tax relief",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5094,"direction":8},[5095],{"mode":33,"text":5096,"type":35,"style":24,"detail":25,"format":25,"version":26},"Auto-enrolment",{"type":38,"format":811,"indent":25,"version":26,"children":5098,"direction":8,"textStyle":24,"textFormat":25},[5099,5101,5108],{"mode":33,"text":5100,"type":35,"style":24,"detail":25,"format":25,"version":26},"Eligible employees may participate in MyFutureFund, Ireland’s auto-enrolment retirement savings system. It combines employee and employer contributions with a State top-up. Its eligibility, access and contribution rules differ from other pensions; it should be included in your overall review, not assumed to deliver a particular retirement income. ",{"id":5102,"type":837,"fields":5103,"format":24,"indent":25,"version":11,"children":5105,"direction":8},"6ae90add8eac7fbfe6391d2b",{"url":5104,"newTab":6,"linkType":840},"https:\u002F\u002Fmyfuturefund.ie\u002Fparticipant\u002F",[5106],{"mode":33,"text":5107,"type":35,"style":24,"detail":25,"format":25,"version":26},"MyFutureFund: Participant information",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5110,"direction":8},[5111],{"mode":33,"text":5112,"type":35,"style":24,"detail":25,"format":25,"version":26},"5. Build wealth beyond your pension",{"type":38,"format":811,"indent":25,"version":26,"children":5114,"direction":8,"textStyle":24,"textFormat":25},[5115],{"mode":33,"text":5116,"type":35,"style":24,"detail":25,"format":25,"version":26},"Pensions are important, but retirement planning also needs flexibility. Money committed to a pension is generally restricted until the relevant access conditions are met. Stopping work does not automatically make every pension accessible.",{"type":38,"format":811,"indent":25,"version":26,"children":5118,"direction":8,"textStyle":24,"textFormat":25},[5119],{"mode":33,"text":5120,"type":35,"style":24,"detail":25,"format":25,"version":26},"Accessible savings can support emergencies, career changes or a gap between leaving work and receiving pension income. Investments outside pensions may serve longer-term goals, with their own tax, cost and risk considerations.",{"type":38,"format":811,"indent":25,"version":26,"children":5122,"direction":8,"textStyle":24,"textFormat":25},[5123],{"mode":33,"text":5124,"type":35,"style":24,"detail":25,"format":25,"version":26},"Think in terms of different purposes:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5126,"listType":128,"direction":8},[5127,5133,5139],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5128,"direction":8},[5129,5131],{"mode":33,"text":5130,"type":35,"style":24,"detail":25,"format":26,"version":26},"Everyday resilience:",{"mode":33,"text":5132,"type":35,"style":24,"detail":25,"format":25,"version":26}," accessible reserves and provision for known costs.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5134,"direction":8},[5135,5137],{"mode":33,"text":5136,"type":35,"style":24,"detail":25,"format":26,"version":26},"Retirement provision:",{"mode":33,"text":5138,"type":35,"style":24,"detail":25,"format":25,"version":26}," pension contributions and existing benefits.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5140,"direction":8},[5141,5143],{"mode":33,"text":5142,"type":35,"style":24,"detail":25,"format":26,"version":26},"Additional flexibility:",{"mode":33,"text":5144,"type":35,"style":24,"detail":25,"format":25,"version":26}," suitable savings or investments for goals outside pension access dates.",{"type":38,"format":811,"indent":25,"version":26,"children":5146,"direction":8,"textStyle":24,"textFormat":25},[5147],{"mode":33,"text":5148,"type":35,"style":24,"detail":25,"format":25,"version":26},"The balance depends on your household. Repaying expensive debt may improve resilience, but check repayment charges and liquidity before using a large amount of cash. Funding retirement should also be considered alongside children’s education and other commitments.",{"type":38,"format":811,"indent":25,"version":26,"children":5150,"direction":8,"textStyle":24,"textFormat":25},[5151],{"mode":33,"text":5152,"type":35,"style":24,"detail":25,"format":25,"version":26},"For business owners, include succession planning and a realistic estimate of proceeds after tax and costs. Do not build the entire retirement plan around a sale that has not happened. Likewise, a planned property sale should include its timing, expenses and the home you would need afterwards.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5154,"direction":8},[5155],{"mode":33,"text":5156,"type":35,"style":24,"detail":25,"format":25,"version":26},"6. Invest with the goal and timeframe in mind",{"type":38,"format":811,"indent":25,"version":26,"children":5158,"direction":8,"textStyle":24,"textFormat":25},[5159],{"mode":33,"text":5160,"type":35,"style":24,"detail":25,"format":25,"version":26},"Wealth accumulation depends on more than the amount contributed. Investment mix, diversification, costs, tax and behaviour all influence the result.",{"type":38,"format":811,"indent":25,"version":26,"children":5162,"direction":8,"textStyle":24,"textFormat":25},[5163],{"mode":33,"text":5164,"type":35,"style":24,"detail":25,"format":25,"version":26},"Choose risk according to your ability to absorb losses and when money will be needed. Longer-term money may have more time to recover from setbacks, but recovery is never guaranteed. Money needed soon should not rely on selling growth assets after a market fall.",{"type":38,"format":811,"indent":25,"version":26,"children":5166,"direction":8,"textStyle":24,"textFormat":25},[5167],{"mode":33,"text":5168,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review exposure across pensions and other investments together. Several funds may hold the same companies, while property and business income can add further concentration. Diversification reduces dependence on individual outcomes but cannot prevent losses.",{"type":38,"format":811,"indent":25,"version":26,"children":5170,"direction":8,"textStyle":24,"textFormat":25},[5171],{"mode":33,"text":5172,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ask for the full cost of the arrangement, including advice, policy or platform fees, fund charges and withdrawal costs. Understand what ongoing remuneration pays for and which review services are included.",{"type":38,"format":811,"indent":25,"version":26,"children":5174,"direction":8,"textStyle":24,"textFormat":25},[5175],{"mode":33,"text":5176,"type":35,"style":24,"detail":25,"format":25,"version":26},"As retirement approaches, check whether any automatic investment changes match your intended retirement date and income option. Moving everything to cash is not automatically right, particularly where the money may remain invested for decades. Nor should a portfolio stay unchanged simply because it suited you ten years earlier.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5178,"direction":8},[5179],{"mode":33,"text":5180,"type":35,"style":24,"detail":25,"format":25,"version":26},"7. Check your State Pension position",{"type":38,"format":811,"indent":25,"version":26,"children":5182,"direction":8,"textStyle":24,"textFormat":25},[5183],{"mode":33,"text":5184,"type":35,"style":24,"detail":25,"format":25,"version":26},"The State Pension can be an important foundation, but eligibility and the amount payable depend on the relevant rules and your contribution record. Do not assume you will receive the maximum rate.",{"type":38,"format":811,"indent":25,"version":26,"children":5186,"direction":8,"textStyle":24,"textFormat":25},[5187],{"mode":33,"text":5188,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check your PRSI contribution statement and discuss gaps, overseas employment or caring periods with the Department of Social Protection. Build the plan around an informed estimate rather than an unverified assumption.",{"type":38,"format":811,"indent":25,"version":26,"children":5190,"direction":8,"textStyle":24,"textFormat":25},[5191,5193,5200],{"mode":33,"text":5192,"type":35,"style":24,"detail":25,"format":25,"version":26},"State Pension (Contributory) is generally available from age 66, subject to eligibility. People born on or after 1 January 1958 can choose a drawdown date between 66 and 70 under the flexible arrangements. Deferral can affect the amount payable and should be assessed against personal circumstances. ",{"id":5194,"type":837,"fields":5195,"format":24,"indent":25,"version":11,"children":5197,"direction":8},"6ae90add8eac7fbfe6391d2c",{"url":5196,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.gov.ie\u002Fen\u002Fdepartment-of-social-protection\u002Fpublications\u002Foperational-guidelines-state-pension-contributory\u002F",[5198],{"mode":33,"text":5199,"type":35,"style":24,"detail":25,"format":25,"version":26},"Department of Social Protection: State Pension guidance",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5202,"direction":8,"textStyle":24,"textFormat":25},[5203],{"mode":33,"text":5204,"type":35,"style":24,"detail":25,"format":25,"version":26},"If you want to stop work before the State Pension starts, identify the resources to cover that interval. Your employment retirement age, private pension access age and State Pension age may be different.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5206,"direction":8},[5207],{"mode":33,"text":5208,"type":35,"style":24,"detail":25,"format":25,"version":26},"8. Plan how savings become retirement income",{"type":38,"format":811,"indent":25,"version":26,"children":5210,"direction":8,"textStyle":24,"textFormat":25},[5211],{"mode":33,"text":5212,"type":35,"style":24,"detail":25,"format":25,"version":26},"Accumulating wealth and drawing from it are different tasks. Before taking benefits, compare the options available under each arrangement and how they fit with your household’s other income.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5214,"direction":8},[5215],{"mode":33,"text":5216,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement lump sums",{"type":38,"format":811,"indent":25,"version":26,"children":5218,"direction":8,"textStyle":24,"textFormat":25},[5219,5221,5228],{"mode":33,"text":5220,"type":35,"style":24,"detail":25,"format":25,"version":26},"The lump sum available depends on the pension arrangement and applicable rules. Revenue provides a lifetime tax-free limit of €200,000 across retirement lump sums from all sources, with previous lump sums taken into account. The portion between €200,000 and €500,000 is generally taxed at 20%; amounts above €500,000 are subject to higher-rate PAYE treatment. Your individual calculation needs to be checked. ",{"id":5222,"type":837,"fields":5223,"format":24,"indent":25,"version":11,"children":5225,"direction":8},"6ae90add8eac7fbfe6391d2d",{"url":5224,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fjobs-and-pensions\u002Fpension\u002Fprivate\u002Fretirement-lump-sums.aspx",[5226],{"mode":33,"text":5227,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Taxation of retirement lump sums",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5230,"direction":8,"textStyle":24,"textFormat":25},[5231],{"mode":33,"text":5232,"type":35,"style":24,"detail":25,"format":25,"version":26},"Do not take a lump sum simply because it is available. Decide what it will fund and how withdrawing it affects the income available later.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5234,"direction":8},[5235],{"mode":33,"text":5236,"type":35,"style":24,"detail":25,"format":25,"version":26},"Income choices",{"type":38,"format":811,"indent":25,"version":26,"children":5238,"direction":8,"textStyle":24,"textFormat":25},[5239],{"mode":33,"text":5240,"type":35,"style":24,"detail":25,"format":25,"version":26},"An annuity provides contractual income, normally for life, under its terms. Options for increases or a surviving partner affect the starting income.",{"type":38,"format":811,"indent":25,"version":26,"children":5242,"direction":8,"textStyle":24,"textFormat":25},[5243],{"mode":33,"text":5244,"type":35,"style":24,"detail":25,"format":25,"version":26},"An Approved Retirement Fund (ARF), or a vested PRSA where available, keeps funds invested and provides withdrawal flexibility. Investment losses, charges and withdrawals can deplete the fund. Tax and imputed-distribution rules also need to be considered.",{"type":38,"format":811,"indent":25,"version":26,"children":5246,"direction":8,"textStyle":24,"textFormat":25},[5247,5249,5256],{"mode":33,"text":5248,"type":35,"style":24,"detail":25,"format":25,"version":26},"A combination may be appropriate, but no option suits everyone. Compare essential income, flexibility, health, dependants and death benefits before committing. ",{"id":5250,"type":837,"fields":5251,"format":24,"indent":25,"version":11,"children":5253,"direction":8},"6ae90add8eac7fbfe6391d2e",{"url":5252,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.standardlife.ie\u002Fpensions-and-retirement\u002Fyour-retirement-options",[5254],{"mode":33,"text":5255,"type":35,"style":24,"detail":25,"format":25,"version":26},"Standard Life Ireland: Retirement options",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5258,"direction":8,"textStyle":24,"textFormat":25},[5259],{"mode":33,"text":5260,"type":35,"style":24,"detail":25,"format":25,"version":26},"Plan withdrawals around the risk of poor returns early in retirement. Selling investments after losses leaves less capital for a recovery. The tax rules governing distributions are not a guarantee that a given withdrawal level is sustainable.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5262,"direction":8},[5263],{"mode":33,"text":5264,"type":35,"style":24,"detail":25,"format":25,"version":26},"9. If you are starting later, focus on the choices you still have",{"type":38,"format":811,"indent":25,"version":26,"children":5266,"direction":8,"textStyle":24,"textFormat":25},[5267],{"mode":33,"text":5268,"type":35,"style":24,"detail":25,"format":25,"version":26},"A late start is a reason to get clear figures, not to avoid the subject. Establish what is already in place, what you can afford and the size of any gap.",{"type":38,"format":811,"indent":25,"version":26,"children":5270,"direction":8,"textStyle":24,"textFormat":25},[5271],{"mode":33,"text":5272,"type":35,"style":24,"detail":25,"format":25,"version":26},"Potential adjustments include increasing contributions where affordable, reducing expensive debt, changing the retirement date or reviewing expected spending. Phased retirement may help some people, but future employment should not be treated as guaranteed.",{"type":38,"format":811,"indent":25,"version":26,"children":5274,"direction":8,"textStyle":24,"textFormat":25},[5275],{"mode":33,"text":5276,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare realistic scenarios with different returns, inflation and lifespans. A projection is an estimate, not a promise. If the figures only work with unusually strong returns, revisit the assumptions rather than taking risks you cannot afford.",{"type":38,"format":811,"indent":25,"version":26,"children":5278,"direction":8,"textStyle":24,"textFormat":25},[5279],{"mode":33,"text":5280,"type":35,"style":24,"detail":25,"format":25,"version":26},"The most useful next step may be a modest, sustainable improvement. Review it when income changes, a mortgage ends or other commitments reduce.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5282,"direction":8},[5283],{"mode":33,"text":5284,"type":35,"style":24,"detail":25,"format":25,"version":26},"10. Keep the whole plan under review",{"type":38,"format":811,"indent":25,"version":26,"children":5286,"direction":8,"textStyle":24,"textFormat":25},[5287],{"mode":33,"text":5288,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review goals, contributions, investment risk, charges and expected income regularly, and after major changes such as redundancy, separation, inheritance, illness or selling a business.",{"type":38,"format":811,"indent":25,"version":26,"children":5290,"direction":8,"textStyle":24,"textFormat":25},[5291],{"mode":33,"text":5292,"type":35,"style":24,"detail":25,"format":25,"version":26},"Protect the saving plan as well as the assets already accumulated. Review relevant life cover, income protection, dependants’ needs and emergency reserves. Ask how workplace benefits change when employment ends.",{"type":38,"format":811,"indent":25,"version":26,"children":5294,"direction":8,"textStyle":24,"textFormat":25},[5295],{"mode":33,"text":5296,"type":35,"style":24,"detail":25,"format":25,"version":26},"As retirement approaches, update wills, pension nominations and estate arrangements with appropriate advice. Check benefits for a surviving partner and avoid assuming a nomination alone overrides scheme rules or legal obligations.",{"type":38,"format":811,"indent":25,"version":26,"children":5298,"direction":8,"textStyle":24,"textFormat":25},[5299],{"mode":33,"text":5300,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep a clear record of decisions, responsibilities and the next review date. Confirm the ongoing advice service you have agreed rather than assuming every pension includes a comprehensive retirement review.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5302,"direction":8},[5303],{"mode":33,"text":5304,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your retirement planning checklist",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5306,"listType":128,"direction":8},[5307,5311,5315,5319,5323,5327,5331,5335,5339],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5308,"direction":8},[5309],{"mode":33,"text":5310,"type":35,"style":24,"detail":25,"format":25,"version":26},"Define your preferred retirement date and lifestyle.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5312,"direction":8},[5313],{"mode":33,"text":5314,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estimate spending, including inflation and irregular costs.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5316,"direction":8},[5317],{"mode":33,"text":5318,"type":35,"style":24,"detail":25,"format":25,"version":26},"Gather every pension and investment statement.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":5320,"direction":8},[5321],{"mode":33,"text":5322,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check employer contributions and your State Pension record.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":5324,"direction":8},[5325],{"mode":33,"text":5326,"type":35,"style":24,"detail":25,"format":25,"version":26},"Identify accessible savings and any gap before pension income begins.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":5328,"direction":8},[5329],{"mode":33,"text":5330,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review affordable contributions, debt and investment risk.",{"type":96,"value":607,"format":811,"indent":25,"version":26,"children":5332,"direction":8},[5333],{"mode":33,"text":5334,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare retirement income options before taking benefits.",{"type":96,"value":1227,"format":811,"indent":25,"version":26,"children":5336,"direction":8},[5337],{"mode":33,"text":5338,"type":35,"style":24,"detail":25,"format":25,"version":26},"Test less favourable outcomes and agree a fallback.",{"type":96,"value":1160,"format":811,"indent":25,"version":26,"children":5340,"direction":8},[5341],{"mode":33,"text":5342,"type":35,"style":24,"detail":25,"format":25,"version":26},"Record the next steps and a review date.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5344,"direction":8},[5345],{"mode":33,"text":4309,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5347,"direction":8,"textStyle":24,"textFormat":25},[5348],{"mode":33,"text":5349,"type":35,"style":24,"detail":25,"format":25,"version":26},"Indigo Investment Group can help you bring pensions, savings, investments and wider assets into a coordinated retirement plan. Whether retirement is decades away or approaching, a review can help you understand where you stand and which decisions deserve attention now.",{"type":38,"format":811,"indent":25,"version":26,"children":5351,"direction":8,"textStyle":24,"textFormat":25},[5352,5353,5358],{"mode":33,"text":1117,"type":35,"style":24,"detail":25,"format":25,"version":26},{"id":5354,"type":837,"fields":5355,"format":24,"indent":25,"version":11,"children":5356,"direction":8},"6ae90add8eac7fbfe6391d2f",{"url":4321,"newTab":6,"linkType":840},[5357],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":5359,"type":35,"style":24,"detail":25,"format":25,"version":26}," to discuss tailored financial advice, including the scope and cost of support suited to your circumstances.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5361,"direction":8},[5362],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5364,"direction":8,"textStyle":24,"textFormat":25},[5365],{"mode":33,"text":5366,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide provides general information for individuals in the Republic of Ireland. It is not personal investment, pension, legal or tax advice, a recommendation of a particular product or a guarantee of retirement income.",{"type":38,"format":811,"indent":25,"version":26,"children":5368,"direction":8,"textStyle":24,"textFormat":25},[5369],{"mode":33,"text":5370,"type":35,"style":24,"detail":25,"format":25,"version":26},"Information and linked Irish provider and official sources were reviewed on 2 November 2026. Tax treatment depends on individual circumstances and can change. Pension access, contribution limits, benefits and retirement options depend on the arrangement, scheme rules and relevant legislation.",{"type":38,"format":811,"indent":25,"version":26,"children":5372,"direction":8,"textStyle":24,"textFormat":25},[5373],{"mode":33,"text":5374,"type":35,"style":24,"detail":25,"format":25,"version":26},"Obtain appropriate advice before transferring pensions, taking retirement benefits or making significant investment decisions. Projections are estimates and may not reflect actual outcomes. Investments and withdrawals must be assessed alongside costs, tax, access needs and the risk of running out of money.",{"type":38,"format":811,"indent":25,"version":26,"children":5376,"direction":8,"textStyle":24,"textFormat":26},[5377],{"mode":33,"text":1138,"type":35,"style":24,"detail":25,"format":26,"version":26},{"title":5379,"description":4869,"image":8},"Retirement Planning | Indigo Investment Group","2026-11-02T22:44:57.461Z","2026-11-02T22:02:21.548Z",{"id":5383,"title":5384,"generateSlug":6,"url_title":5385,"sortOrder":5386,"type":144,"parent":5387,"page_heading":5384,"intro":5398,"image":5399,"content":5407,"seo":5894,"updatedAt":5896,"createdAt":5897},66,"Preparing to Retire","preparing-for-retirement",11,{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":5388,"seo":5397,"updatedAt":163,"createdAt":163},{"root":5389},{"type":23,"format":24,"indent":25,"version":26,"children":5390,"direction":36},[5391,5394],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":5392,"direction":36},[5393],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":5395,"direction":36,"textStyle":24,"textFormat":25},[5396],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"Steps to take as you approach retirement.",{"id":5400,"alt":5401,"_objectKey":8,"updatedAt":5402,"createdAt":5403,"url":5404,"thumbnailURL":8,"filename":5405,"mimeType":171,"filesize":5406,"width":467,"height":173,"focalX":175,"focalY":175},14,"Preparing for Retirement","2026-11-02T23:20:54.329Z","2026-11-02T22:45:11.537Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fpreparing-for-retirement.jpg","preparing-for-retirement.jpg",229195,{"root":5408},{"type":23,"format":24,"indent":25,"version":26,"children":5409,"direction":8},[5410,5413,5417,5421,5425,5429,5433,5437,5441,5445,5455,5459,5463,5467,5497,5501,5505,5509,5513,5517,5521,5525,5529,5533,5553,5561,5565,5569,5573,5577,5581,5585,5595,5599,5603,5607,5611,5615,5619,5623,5627,5631,5642,5654,5658,5662,5665,5669,5680,5684,5695,5699,5711,5723,5727,5739,5743,5747,5751,5755,5759,5763,5767,5793,5805,5809,5813,5817,5847,5851,5855,5858,5862,5866,5876,5879,5883,5887,5891],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5411,"direction":8},[5412],{"mode":33,"text":5384,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5414,"direction":8,"textStyle":24,"textFormat":26},[5415],{"mode":33,"text":5416,"type":35,"style":24,"detail":25,"format":26,"version":26},"Bring your income, spending and pension choices into one clear plan",{"type":38,"format":811,"indent":25,"version":26,"children":5418,"direction":8,"textStyle":24,"textFormat":25},[5419],{"mode":33,"text":5420,"type":35,"style":24,"detail":25,"format":25,"version":26},"The transition into retirement changes how money moves through your household. A regular salary may stop, pension payments may begin on different dates, and savings built over many years may need to support everyday life.",{"type":38,"format":811,"indent":25,"version":26,"children":5422,"direction":8,"textStyle":24,"textFormat":25},[5423],{"mode":33,"text":5424,"type":35,"style":24,"detail":25,"format":25,"version":26},"Preparing well means understanding those changes before making decisions that can be difficult to reverse. Cash-flow modelling, a realistic budget and a careful review of your pension options can help you see what retirement could look like and what needs attention first.",{"type":38,"format":811,"indent":25,"version":26,"children":5426,"direction":8,"textStyle":24,"textFormat":25},[5427],{"mode":33,"text":5428,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide focuses on putting the pieces together as retirement approaches, from checking entitlements and relevant reliefs to arranging income and reviewing the plan after work ends.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5430,"direction":8},[5431],{"mode":33,"text":5432,"type":35,"style":24,"detail":25,"format":25,"version":26},"1. Define the transition you are planning",{"type":38,"format":811,"indent":25,"version":26,"children":5434,"direction":8,"textStyle":24,"textFormat":25},[5435],{"mode":33,"text":5436,"type":35,"style":24,"detail":25,"format":25,"version":26},"Begin with a proposed date and the life you want around it. Will you stop work completely, reduce your hours or continue in a different role? Does a partner plan to retire at the same time? Are there commitments that will continue, such as a mortgage, rent, education costs or family support?",{"type":38,"format":811,"indent":25,"version":26,"children":5438,"direction":8,"textStyle":24,"textFormat":25},[5439],{"mode":33,"text":5440,"type":35,"style":24,"detail":25,"format":25,"version":26},"Write down the dates when employment income ends and each pension or other income source could start. Your employment retirement date, private pension access date and State Pension age are not necessarily the same.",{"type":38,"format":811,"indent":25,"version":26,"children":5442,"direction":8,"textStyle":24,"textFormat":25},[5443],{"mode":33,"text":5444,"type":35,"style":24,"detail":25,"format":25,"version":26},"Avoid assuming that all pensions become available when you stop working. Eligibility depends on the type of arrangement, scheme rules and circumstances. Request written information and allow time for administration before committing to a retirement date.",{"type":38,"format":811,"indent":25,"version":26,"children":5446,"direction":8,"textStyle":24,"textFormat":25},[5447,5449,5454],{"mode":33,"text":5448,"type":35,"style":24,"detail":25,"format":25,"version":26},"Standard Life Ireland encourages gathering documents well ahead of taking pension benefits and assessing the options with an adviser. ",{"id":5450,"type":837,"fields":5451,"format":24,"indent":25,"version":11,"children":5452,"direction":8},"6ae90be38eac7fbfe6391d30",{"url":5252,"newTab":6,"linkType":840},[5453],{"mode":33,"text":5255,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5456,"direction":8},[5457],{"mode":33,"text":5458,"type":35,"style":24,"detail":25,"format":25,"version":26},"2. Use cash-flow modelling to see the whole picture",{"type":38,"format":811,"indent":25,"version":26,"children":5460,"direction":8,"textStyle":24,"textFormat":25},[5461],{"mode":33,"text":5462,"type":35,"style":24,"detail":25,"format":25,"version":26},"Cash-flow modelling brings your assets, expected income, spending, tax and planned withdrawals into a projection over time. Its purpose is to identify pressure points and compare choices, rather than predict exactly what markets or your life will do.",{"type":38,"format":811,"indent":25,"version":26,"children":5464,"direction":8,"textStyle":24,"textFormat":25},[5465],{"mode":33,"text":5466,"type":35,"style":24,"detail":25,"format":25,"version":26},"A useful model should include:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5468,"listType":128,"direction":8},[5469,5473,5477,5481,5485,5489,5493],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5470,"direction":8},[5471],{"mode":33,"text":5472,"type":35,"style":24,"detail":25,"format":25,"version":26},"Current savings, pensions, investments, property and borrowing.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5474,"direction":8},[5475],{"mode":33,"text":5476,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your retirement date and any phased or part-time work.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5478,"direction":8},[5479],{"mode":33,"text":5480,"type":35,"style":24,"detail":25,"format":25,"version":26},"Expected State, workplace and personal pension income, with start dates.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":5482,"direction":8},[5483],{"mode":33,"text":5484,"type":35,"style":24,"detail":25,"format":25,"version":26},"Essential living costs and discretionary spending.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":5486,"direction":8},[5487],{"mode":33,"text":5488,"type":35,"style":24,"detail":25,"format":25,"version":26},"One-off expenses, including home improvements, travel or replacing a car.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":5490,"direction":8},[5491],{"mode":33,"text":5492,"type":35,"style":24,"detail":25,"format":25,"version":26},"Tax, charges, inflation and assumptions about investment returns.",{"type":96,"value":607,"format":811,"indent":25,"version":26,"children":5494,"direction":8},[5495],{"mode":33,"text":5496,"type":35,"style":24,"detail":25,"format":25,"version":26},"A planning period that allows for a long retirement.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5498,"direction":8},[5499],{"mode":33,"text":5500,"type":35,"style":24,"detail":25,"format":25,"version":26},"Look for gaps and turning points",{"type":38,"format":811,"indent":25,"version":26,"children":5502,"direction":8,"textStyle":24,"textFormat":25},[5503],{"mode":33,"text":5504,"type":35,"style":24,"detail":25,"format":25,"version":26},"The model can show a gap between your final salary and the first pension payment, higher withdrawals before State Pension age, or spending that changes when a mortgage ends. It can also test whether a planned gift or major purchase would reduce flexibility later.",{"type":38,"format":811,"indent":25,"version":26,"children":5506,"direction":8,"textStyle":24,"textFormat":25},[5507],{"mode":33,"text":5508,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep the distinction between available cash and asset value clear. A property or business interest may be valuable but cannot fund monthly bills without income, borrowing or a sale. If a sale is part of the plan, include its timing, costs, tax and the possibility of delay.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5510,"direction":8},[5511],{"mode":33,"text":5512,"type":35,"style":24,"detail":25,"format":25,"version":26},"Test more than one outcome",{"type":38,"format":811,"indent":25,"version":26,"children":5514,"direction":8,"textStyle":24,"textFormat":25},[5515],{"mode":33,"text":5516,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare your preferred plan with scenarios involving lower investment returns, higher inflation, a longer life or unexpected costs. For couples, consider the income and spending position after either partner dies: some costs remain while pension income may reduce.",{"type":38,"format":811,"indent":25,"version":26,"children":5518,"direction":8,"textStyle":24,"textFormat":25},[5519],{"mode":33,"text":5520,"type":35,"style":24,"detail":25,"format":25,"version":26},"A projection that looks comfortable under one set of assumptions can still be vulnerable. Review what could change, which spending is flexible and what action would follow a shortfall. Ask to see the assumptions clearly; modelling does not guarantee that your money will last.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5522,"direction":8},[5523],{"mode":33,"text":5524,"type":35,"style":24,"detail":25,"format":25,"version":26},"3. Turn the projection into a retirement budget",{"type":38,"format":811,"indent":25,"version":26,"children":5526,"direction":8,"textStyle":24,"textFormat":25},[5527],{"mode":33,"text":5528,"type":35,"style":24,"detail":25,"format":25,"version":26},"Use recent bank statements to establish actual spending before estimating changes. Work-related costs may fall, but travel, hobbies, healthcare or home expenses may rise. Do not assume retirement will cost a fixed percentage of your former salary.",{"type":38,"format":811,"indent":25,"version":26,"children":5530,"direction":8,"textStyle":24,"textFormat":25},[5531],{"mode":33,"text":5532,"type":35,"style":24,"detail":25,"format":25,"version":26},"Organise the budget into three groups:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5534,"listType":128,"direction":8,"textFormat":26},[5535,5541,5547],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5536,"direction":8},[5537,5539],{"mode":33,"text":5538,"type":35,"style":24,"detail":25,"format":26,"version":26},"Essential spending:",{"mode":33,"text":5540,"type":35,"style":24,"detail":25,"format":25,"version":26}," housing, food, utilities, insurance, transport and debt repayments.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5542,"direction":8},[5543,5545],{"mode":33,"text":5544,"type":35,"style":24,"detail":25,"format":26,"version":26},"Lifestyle spending:",{"mode":33,"text":5546,"type":35,"style":24,"detail":25,"format":25,"version":26}," holidays, leisure, dining out and other flexible choices.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5548,"direction":8},[5549,5551],{"mode":33,"text":5550,"type":35,"style":24,"detail":25,"format":26,"version":26},"Irregular spending and reserves:",{"mode":33,"text":5552,"type":35,"style":24,"detail":25,"format":25,"version":26}," repairs, replacement purchases, family support and unexpected bills.",{"type":38,"format":811,"indent":25,"version":26,"children":5554,"direction":8,"textStyle":24,"textFormat":25},[5555,5557,5559],{"mode":33,"text":5556,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare spending with ",{"mode":33,"text":5558,"type":35,"style":24,"detail":25,"format":26,"version":26},"income after tax",{"mode":33,"text":5560,"type":35,"style":24,"detail":25,"format":25,"version":26},", not the gross pension quoted on a statement. Make provision for annual bills even when income arrives monthly or weekly.",{"type":38,"format":811,"indent":25,"version":26,"children":5562,"direction":8,"textStyle":24,"textFormat":25},[5563],{"mode":33,"text":5564,"type":35,"style":24,"detail":25,"format":25,"version":26},"For example, if household spending is €3,000 a month and confirmed net pension income is €2,200, the remaining €800 must come from other resources or a change in spending. This is a simple budgeting illustration, not a recommended income or withdrawal level. The gap may change with inflation, tax and circumstances.",{"type":38,"format":811,"indent":25,"version":26,"children":5566,"direction":8,"textStyle":24,"textFormat":25},[5567],{"mode":33,"text":5568,"type":35,"style":24,"detail":25,"format":25,"version":26},"If practical, test the proposed budget while still working. That can reveal overlooked costs before you rely on it. Keep an accessible reserve and agree how it will be replenished without assuming investments can always be sold at a favourable price.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5570,"direction":8},[5571],{"mode":33,"text":5572,"type":35,"style":24,"detail":25,"format":25,"version":26},"4. Confirm the income you can actually access",{"type":38,"format":811,"indent":25,"version":26,"children":5574,"direction":8,"textStyle":24,"textFormat":25},[5575],{"mode":33,"text":5576,"type":35,"style":24,"detail":25,"format":25,"version":26},"Collect current benefit statements and retirement quotations for every pension, including older employment arrangements. Check the start date, payment frequency, increases, survivor benefits, guarantees and charges. Confirm whether quotations expire and what documents are required.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5578,"direction":8},[5579],{"mode":33,"text":5580,"type":35,"style":24,"detail":25,"format":25,"version":26},"State Pension",{"type":38,"format":811,"indent":25,"version":26,"children":5582,"direction":8,"textStyle":24,"textFormat":25},[5583],{"mode":33,"text":5584,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check your PRSI contribution record and obtain information on your likely entitlement. State Pension (Contributory) is generally available from age 66, subject to eligibility. People born on or after 1 January 1958 can choose a drawdown date between 66 and 70 under the flexible arrangements.",{"type":38,"format":811,"indent":25,"version":26,"children":5586,"direction":8,"textStyle":24,"textFormat":25},[5587,5589,5594],{"mode":33,"text":5588,"type":35,"style":24,"detail":25,"format":25,"version":26},"Deferral may affect the rate payable and can require funding the intervening years from other resources. It should be assessed alongside health, household finances and other income, rather than treated as automatically better. ",{"id":5590,"type":837,"fields":5591,"format":24,"indent":25,"version":11,"children":5592,"direction":8},"6ae90be38eac7fbfe6391d31",{"url":5196,"newTab":6,"linkType":840},[5593],{"mode":33,"text":5199,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5596,"direction":8},[5597],{"mode":33,"text":5598,"type":35,"style":24,"detail":25,"format":25,"version":26},"Workplace and private pensions",{"type":38,"format":811,"indent":25,"version":26,"children":5600,"direction":8,"textStyle":24,"textFormat":25},[5601],{"mode":33,"text":5602,"type":35,"style":24,"detail":25,"format":25,"version":26},"A defined benefit scheme and a defined contribution fund provide different benefits and choices. Ask the administrator what applies to your arrangement. Where a transfer would give up promised benefits or guarantees, understand what would be lost before proceeding.",{"type":38,"format":811,"indent":25,"version":26,"children":5604,"direction":8,"textStyle":24,"textFormat":25},[5605],{"mode":33,"text":5606,"type":35,"style":24,"detail":25,"format":25,"version":26},"Include non-pension income, such as rent or part-time earnings, but allow for expenses, tax and uncertainty. A proposed business or property sale is not the same as a completed sale with proceeds available to spend.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5608,"direction":8},[5609],{"mode":33,"text":5610,"type":35,"style":24,"detail":25,"format":25,"version":26},"5. Choose how to take pension benefits",{"type":38,"format":811,"indent":25,"version":26,"children":5612,"direction":8,"textStyle":24,"textFormat":25},[5613],{"mode":33,"text":5614,"type":35,"style":24,"detail":25,"format":25,"version":26},"The appropriate retirement-income arrangement depends on essential spending, other income, health, dependants, flexibility and willingness and capacity to take investment risk. There is no single best pension product for everyone.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5616,"direction":8},[5617],{"mode":33,"text":5618,"type":35,"style":24,"detail":25,"format":25,"version":26},"Annuity income",{"type":38,"format":811,"indent":25,"version":26,"children":5620,"direction":8,"textStyle":24,"textFormat":25},[5621],{"mode":33,"text":5622,"type":35,"style":24,"detail":25,"format":25,"version":26},"An annuity normally provides contractual income for life. Compare the income payable, any increases, a guarantee period and benefits for a surviving spouse or partner. Those features affect the starting income; the highest initial payment may not provide the protection you need.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5624,"direction":8},[5625],{"mode":33,"text":5626,"type":35,"style":24,"detail":25,"format":25,"version":26},"Invested retirement funds",{"type":38,"format":811,"indent":25,"version":26,"children":5628,"direction":8,"textStyle":24,"textFormat":25},[5629],{"mode":33,"text":5630,"type":35,"style":24,"detail":25,"format":25,"version":26},"An Approved Retirement Fund (ARF), or a vested PRSA where available, allows eligible retirement funds to remain invested while withdrawals are taken. Values can fall, charges continue and the fund can run out. Flexibility brings an ongoing need to manage investment and longevity risk.",{"type":38,"format":811,"indent":25,"version":26,"children":5632,"direction":8,"textStyle":24,"textFormat":25},[5633,5635,5641],{"mode":33,"text":5634,"type":35,"style":24,"detail":25,"format":25,"version":26},"A combination of approaches may be suitable, depending on your benefits and circumstances. Compare quotations and total charges before committing. ",{"id":5636,"type":837,"fields":5637,"format":24,"indent":25,"version":11,"children":5638,"direction":8},"6ae90be38eac7fbfe6391d32",{"url":5252,"newTab":6,"linkType":840},[5639],{"mode":33,"text":5640,"type":35,"style":24,"detail":25,"format":25,"version":26},"Standard Life Ireland: Retirement-income choices",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5643,"direction":8,"textStyle":24,"textFormat":25},[5644,5646,5653],{"mode":33,"text":5645,"type":35,"style":24,"detail":25,"format":25,"version":26},"ARFs are also subject to rules around deemed distributions. These tax rules do not establish a safe withdrawal rate or guarantee sustainable income. Ask the provider to explain the requirements for your arrangement. ",{"id":5647,"type":837,"fields":5648,"format":24,"indent":25,"version":11,"children":5650,"direction":8},"6ae90be38eac7fbfe6391d33",{"url":5649,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fjobs-and-pensions\u002Fpension\u002Fproducts\u002Fapproved-retirement-funds.aspx",[5651],{"mode":33,"text":5652,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Approved Retirement Funds",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5655,"direction":8},[5656],{"mode":33,"text":5657,"type":35,"style":24,"detail":25,"format":25,"version":26},"6. Identify relevant tax reliefs and allowances",{"type":38,"format":811,"indent":25,"version":26,"children":5659,"direction":8,"textStyle":24,"textFormat":25},[5660],{"mode":33,"text":5661,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement can change your tax position, but stopping work does not make all pension or investment income tax-free. Review the rules for each income source and the timing of benefits with an appropriately qualified adviser.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5663,"direction":8},[5664],{"mode":33,"text":5216,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5666,"direction":8,"textStyle":24,"textFormat":25},[5667],{"mode":33,"text":5668,"type":35,"style":24,"detail":25,"format":25,"version":26},"The lump sum available depends on the pension arrangement and applicable rules. The lifetime tax-free limit is €200,000 across retirement lump sums from all sources, taking earlier lump sums into account. The portion between €200,000 and €500,000 is generally taxed at 20%, with higher-rate PAYE treatment above €500,000.",{"type":38,"format":811,"indent":25,"version":26,"children":5670,"direction":8,"textStyle":24,"textFormat":25},[5671,5673,5679],{"mode":33,"text":5672,"type":35,"style":24,"detail":25,"format":25,"version":26},"This limit is not an entitlement to withdraw €200,000 tax-free from every pension. Confirm your permitted lump sum, previous benefits and individual tax calculation. ",{"id":5674,"type":837,"fields":5675,"format":24,"indent":25,"version":11,"children":5676,"direction":8},"6ae90be38eac7fbfe6391d34",{"url":5224,"newTab":6,"linkType":840},[5677],{"mode":33,"text":5678,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Retirement lump sums",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5681,"direction":8},[5682],{"mode":33,"text":5683,"type":35,"style":24,"detail":25,"format":25,"version":26},"Final pension contributions",{"type":38,"format":811,"indent":25,"version":26,"children":5685,"direction":8,"textStyle":24,"textFormat":25},[5686,5688,5694],{"mode":33,"text":5687,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before retirement, check whether additional personal contributions or Additional Voluntary Contributions (AVCs) are appropriate and eligible for relief. Age-related limits, qualifying earnings, existing contributions and the annual earnings cap apply. Do not lock away money needed for the transition simply to obtain relief. ",{"id":5689,"type":837,"fields":5690,"format":24,"indent":25,"version":11,"children":5691,"direction":8},"6ae90be38eac7fbfe6391d35",{"url":5076,"newTab":6,"linkType":840},[5692],{"mode":33,"text":5693,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Pension contribution relief limits",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5696,"direction":8},[5697],{"mode":33,"text":5698,"type":35,"style":24,"detail":25,"format":25,"version":26},"Age-related credits and income exemptions",{"type":38,"format":811,"indent":25,"version":26,"children":5700,"direction":8,"textStyle":24,"textFormat":25},[5701,5703,5710],{"mode":33,"text":5702,"type":35,"style":24,"detail":25,"format":25,"version":26},"The Age Tax Credit generally applies from age 65, subject to the relevant assessment rules. It is linked to age, not simply to retiring. Check that Revenue holds the correct details. ",{"id":5704,"type":837,"fields":5705,"format":24,"indent":25,"version":11,"children":5707,"direction":8},"6ae90be38eac7fbfe6391d36",{"url":5706,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Fhealth-and-age\u002Fage-tax-credit\u002Findex.aspx",[5708],{"mode":33,"text":5709,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Age Tax Credit",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5712,"direction":8,"textStyle":24,"textFormat":25},[5713,5715,5722],{"mode":33,"text":5714,"type":35,"style":24,"detail":25,"format":25,"version":26},"People aged 65 or over, or with a qualifying spouse or civil partner, may qualify for Income Tax exemption or marginal relief depending on total income and applicable limits. An Income Tax exemption does not automatically exempt income from USC or PRSI. ",{"id":5716,"type":837,"fields":5717,"format":24,"indent":25,"version":11,"children":5719,"direction":8},"6ae90be38eac7fbfe6391d37",{"url":5718,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fpersonal-tax-credits-reliefs-and-exemptions\u002Fmarital-and-civil-status\u002Fexemption-and-marginal-relief\u002Findex.aspx",[5720],{"mode":33,"text":5721,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Exemption and marginal relief",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":5724,"direction":8},[5725],{"mode":33,"text":5726,"type":35,"style":24,"detail":25,"format":25,"version":26},"Business owners and farmers",{"type":38,"format":811,"indent":25,"version":26,"children":5728,"direction":8,"textStyle":24,"textFormat":25},[5729,5731,5738],{"mode":33,"text":5730,"type":35,"style":24,"detail":25,"format":25,"version":26},"Capital Gains Tax Retirement Relief may apply to qualifying disposals of business or farming assets under specific conditions. It is separate from pension relief and is not a general exemption for employees leaving work. Despite its name, retiring from the business is not itself required. Obtain specialist tax advice before a sale or transfer. ",{"id":5732,"type":837,"fields":5733,"format":24,"indent":25,"version":11,"children":5735,"direction":8},"6ae90be38eac7fbfe6391d38",{"url":5734,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fgains-gifts-and-inheritance\u002Fcgt-reliefs\u002Fdisposal-of-a-business-or-farm.aspx",[5736],{"mode":33,"text":5737,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Retirement Relief",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5740,"direction":8},[5741],{"mode":33,"text":5742,"type":35,"style":24,"detail":25,"format":25,"version":26},"7. Decide how to use your lump sum and other savings",{"type":38,"format":811,"indent":25,"version":26,"children":5744,"direction":8,"textStyle":24,"textFormat":25},[5745],{"mode":33,"text":5746,"type":35,"style":24,"detail":25,"format":25,"version":26},"Give each part of your available money a purpose before withdrawing or reinvesting it. You may need a reserve for the first months of retirement, debt repayment, a planned purchase or longer-term flexibility.",{"type":38,"format":811,"indent":25,"version":26,"children":5748,"direction":8,"textStyle":24,"textFormat":25},[5749],{"mode":33,"text":5750,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare debt repayment with the cash you would retain, any early repayment charge and future income needs. Avoid using the full lump sum on immediate commitments without seeing the effect on later years.",{"type":38,"format":811,"indent":25,"version":26,"children":5752,"direction":8,"textStyle":24,"textFormat":25},[5753],{"mode":33,"text":5754,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep money needed soon appropriately accessible. Longer-term resources may still need growth potential to help address inflation, but investment risk must fit your ability to absorb losses. Retirement is not a reason to assume everything should remain in high-risk assets or move entirely to cash.",{"type":38,"format":811,"indent":25,"version":26,"children":5756,"direction":8,"textStyle":24,"textFormat":25},[5757],{"mode":33,"text":5758,"type":35,"style":24,"detail":25,"format":25,"version":26},"Consider the order of withdrawals across pensions, savings and investments. Tax, charges, access conditions and market movements can change the result. Poor returns early in retirement can be particularly damaging when withdrawals leave less capital available for recovery. Build an agreed response into the plan instead of relying on a single return assumption.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5760,"direction":8},[5761],{"mode":33,"text":5762,"type":35,"style":24,"detail":25,"format":25,"version":26},"8. Put the arrangements in place before salary stops",{"type":38,"format":811,"indent":25,"version":26,"children":5764,"direction":8,"textStyle":24,"textFormat":25},[5765],{"mode":33,"text":5766,"type":35,"style":24,"detail":25,"format":25,"version":26},"Agree an implementation schedule with your employer, pension administrators, adviser and any other specialists. Confirm:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5768,"listType":128,"direction":8},[5769,5773,5777,5781,5785,5789],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5770,"direction":8},[5771],{"mode":33,"text":5772,"type":35,"style":24,"detail":25,"format":25,"version":26},"The employment end date and final salary payment.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5774,"direction":8},[5775],{"mode":33,"text":5776,"type":35,"style":24,"detail":25,"format":25,"version":26},"Pension applications, supporting documents and expected payment dates.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5778,"direction":8},[5779],{"mode":33,"text":5780,"type":35,"style":24,"detail":25,"format":25,"version":26},"Where any lump sum will be paid and how it will be used.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":5782,"direction":8},[5783],{"mode":33,"text":5784,"type":35,"style":24,"detail":25,"format":25,"version":26},"The income amounts, frequency and bank account details.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":5786,"direction":8},[5787],{"mode":33,"text":5788,"type":35,"style":24,"detail":25,"format":25,"version":26},"Tax registration, credits and payroll arrangements.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":5790,"direction":8},[5791],{"mode":33,"text":5792,"type":35,"style":24,"detail":25,"format":25,"version":26},"When workplace insurance or other employee benefits end.",{"type":38,"format":811,"indent":25,"version":26,"children":5794,"direction":8,"textStyle":24,"textFormat":25},[5795,5797,5804],{"mode":33,"text":5796,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check the first pension payments against expectations. Revenue’s pension registration guidance explains how a Revenue Payroll Notification helps a private pension provider apply the correct deductions. ",{"id":5798,"type":837,"fields":5799,"format":24,"indent":25,"version":11,"children":5801,"direction":8},"6ae90be38eac7fbfe6391d39",{"url":5800,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fonline-services\u002Fservices\u002Fpaye-services\u002Fadd-job-pension.aspx",[5802],{"mode":33,"text":5803,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Add a job or pension",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5806,"direction":8,"textStyle":24,"textFormat":25},[5807],{"mode":33,"text":5808,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review life cover, health insurance and dependants’ protection rather than cancelling policies automatically. Ask your solicitor about wills and other legal arrangements, and check pension nominations against scheme rules and any relevant court orders.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5810,"direction":8},[5811],{"mode":33,"text":5812,"type":35,"style":24,"detail":25,"format":25,"version":26},"9. Bring everything into a clear financial plan",{"type":38,"format":811,"indent":25,"version":26,"children":5814,"direction":8,"textStyle":24,"textFormat":25},[5815],{"mode":33,"text":5816,"type":35,"style":24,"detail":25,"format":25,"version":26},"The finished plan should tell you more than the projected value of a pension. It should record:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5818,"listType":128,"direction":8},[5819,5823,5827,5831,5835,5839,5843],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":5820,"direction":8},[5821],{"mode":33,"text":5822,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your intended retirement date and lifestyle priorities.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":5824,"direction":8},[5825],{"mode":33,"text":5826,"type":35,"style":24,"detail":25,"format":25,"version":26},"Expected net income, start dates and any funding gaps.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":5828,"direction":8},[5829],{"mode":33,"text":5830,"type":35,"style":24,"detail":25,"format":25,"version":26},"A practical budget and reserve for irregular costs.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":5832,"direction":8},[5833],{"mode":33,"text":5834,"type":35,"style":24,"detail":25,"format":25,"version":26},"Chosen pension options, relevant reliefs and reasons for decisions.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":5836,"direction":8},[5837],{"mode":33,"text":5838,"type":35,"style":24,"detail":25,"format":25,"version":26},"How savings and investments will support spending over time.",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":5840,"direction":8},[5841],{"mode":33,"text":5842,"type":35,"style":24,"detail":25,"format":25,"version":26},"The risks tested and adjustments available if circumstances change.",{"type":96,"value":607,"format":811,"indent":25,"version":26,"children":5844,"direction":8},[5845],{"mode":33,"text":5846,"type":35,"style":24,"detail":25,"format":25,"version":26},"Who will implement each step and when the plan will be reviewed.",{"type":38,"format":811,"indent":25,"version":26,"children":5848,"direction":8,"textStyle":24,"textFormat":25},[5849],{"mode":33,"text":5850,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review the plan after retirement against actual spending and income. Update it following major purchases, bereavement, health changes or significant market movements. A review need not result in a trade: its purpose is to check that the arrangements still fit.",{"type":38,"format":811,"indent":25,"version":26,"children":5852,"direction":8,"textStyle":24,"textFormat":25},[5853],{"mode":33,"text":5854,"type":35,"style":24,"detail":25,"format":25,"version":26},"Confirm the scope and cost of ongoing support. Cash-flow modelling is most useful when its assumptions and figures are updated, not treated as a once-off certificate that retirement is affordable.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5856,"direction":8},[5857],{"mode":33,"text":4309,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5859,"direction":8,"textStyle":24,"textFormat":25},[5860],{"mode":33,"text":5861,"type":35,"style":24,"detail":25,"format":25,"version":26},"Indigo Investment Group can help you use cash-flow modelling to explore retirement choices and bring pension benefits, wider assets, budgeting and income needs into a coordinated financial plan.",{"type":38,"format":811,"indent":25,"version":26,"children":5863,"direction":8,"textStyle":24,"textFormat":25},[5864],{"mode":33,"text":5865,"type":35,"style":24,"detail":25,"format":25,"version":26},"Whether you are deciding when to finish work or preparing to take your benefits, tailored advice can help you understand the choices, compare their consequences and agree practical next steps.",{"type":38,"format":811,"indent":25,"version":26,"children":5867,"direction":8,"textStyle":24,"textFormat":25},[5868,5869,5874],{"mode":33,"text":1117,"type":35,"style":24,"detail":25,"format":25,"version":26},{"id":5870,"type":837,"fields":5871,"format":24,"indent":25,"version":11,"children":5872,"direction":8},"6ae90be38eac7fbfe6391d3a",{"url":4321,"newTab":6,"linkType":840},[5873],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":5875,"type":35,"style":24,"detail":25,"format":25,"version":26}," to discuss your circumstances and the scope and cost of the support you need.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":5877,"direction":8},[5878],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":5880,"direction":8,"textStyle":24,"textFormat":25},[5881],{"mode":33,"text":5882,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide provides general information for individuals in the Republic of Ireland. It is not personal financial, investment, pension, legal or tax advice and does not guarantee retirement income or eligibility for any relief.",{"type":38,"format":811,"indent":25,"version":26,"children":5884,"direction":8,"textStyle":24,"textFormat":25},[5885],{"mode":33,"text":5886,"type":35,"style":24,"detail":25,"format":25,"version":26},"Information and linked Irish provider and official sources were reviewed on 2 November 2026. Tax treatment depends on individual circumstances and can change. Benefits, access and retirement options depend on the pension arrangement, scheme rules and relevant legislation.",{"type":38,"format":811,"indent":25,"version":26,"children":5888,"direction":8,"textStyle":24,"textFormat":25},[5889],{"mode":33,"text":5890,"type":35,"style":24,"detail":25,"format":25,"version":26},"Cash-flow projections depend on assumptions about returns, inflation, tax, spending and lifespan. Actual outcomes may differ materially. Obtain appropriate advice before transferring pensions, taking benefits, buying an annuity or making significant withdrawals or investments.",{"type":38,"format":811,"indent":25,"version":26,"children":5892,"direction":8,"textStyle":24,"textFormat":26},[5893],{"mode":33,"text":1138,"type":35,"style":24,"detail":25,"format":26,"version":26},{"title":5895,"description":5398,"image":8},"Preparing to Retire | Indigo Investment Group","2026-11-03T21:44:31.363Z","2026-11-02T22:02:21.826Z",{"id":5899,"title":5900,"generateSlug":6,"url_title":5901,"sortOrder":5902,"type":144,"parent":5903,"page_heading":5900,"intro":5914,"image":5915,"content":5922,"seo":6137,"updatedAt":6139,"createdAt":6140},67,"Budgeting","budgeting",12,{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":5904,"seo":5913,"updatedAt":163,"createdAt":163},{"root":5905},{"type":23,"format":24,"indent":25,"version":26,"children":5906,"direction":36},[5907,5910],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":5908,"direction":36},[5909],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":5911,"direction":36,"textStyle":24,"textFormat":25},[5912],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"Build a clear budget and take control of your everyday finances.",{"id":5916,"alt":5900,"_objectKey":8,"updatedAt":5917,"createdAt":5918,"url":5919,"thumbnailURL":8,"filename":5920,"mimeType":171,"filesize":5921,"width":467,"height":173,"focalX":175,"focalY":175},15,"2026-11-02T23:20:56.205Z","2026-11-02T22:45:32.668Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fbudgeting.jpg","budgeting.jpg",249483,{"root":5923},{"type":23,"format":24,"indent":25,"version":26,"children":5924,"direction":8},[5925,5928,5932,5936,5940,5944,5948,5952,5956,5960,5964,5968,5994,5998,6002,6006,6010,6014,6018,6022,6034,6038,6042,6046,6050,6054,6058,6062,6066,6070,6074,6078,6082,6086,6090,6094,6106,6110,6114,6118,6128,6131,6135],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":5926,"direction":8},[5927],{"mode":33,"text":5900,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":5929,"direction":8,"textStyle":24,"textFormat":26},[5930],{"mode":33,"text":5931,"type":35,"style":24,"detail":25,"format":26,"version":26},"Make your income work towards the life you want",{"type":38,"format":24,"indent":25,"version":26,"children":5933,"direction":8,"textStyle":24,"textFormat":25},[5934],{"mode":33,"text":5935,"type":35,"style":24,"detail":25,"format":25,"version":26},"A budget gives you a clearer view of what your income needs to cover and what it could help you achieve. It brings everyday spending, regular commitments and future goals into one picture, so financial decisions are based on what is genuinely affordable.",{"type":38,"format":24,"indent":25,"version":26,"children":5937,"direction":8,"textStyle":24,"textFormat":25},[5938],{"mode":33,"text":5939,"type":35,"style":24,"detail":25,"format":25,"version":26},"Even a strong income can feel stretched when bills, borrowing and family commitments compete for attention. Equally, a modest surplus can have a useful purpose when it is identified and allocated consistently. The starting point is understanding your circumstances, rather than applying a spending formula that may not fit your household.",{"type":38,"format":24,"indent":25,"version":26,"children":5941,"direction":8,"textStyle":24,"textFormat":25},[5942],{"mode":33,"text":5943,"type":35,"style":24,"detail":25,"format":25,"version":26},"At Indigo Investment Group, budgeting forms part of the wider financial planning conversation. We can help you review how money comes in, where it goes and how the balance supports your priorities.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":5945,"direction":8},[5946],{"mode":33,"text":5947,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start with the income you can rely on",{"type":38,"format":24,"indent":25,"version":26,"children":5949,"direction":8,"textStyle":24,"textFormat":25},[5950],{"mode":33,"text":5951,"type":35,"style":24,"detail":25,"format":25,"version":26},"Use the money available after tax and other deductions, rather than your gross salary. Include relevant household income such as a partner’s earnings, pension payments, maintenance and State supports, taking account of any tax or costs still to be paid.",{"type":38,"format":24,"indent":25,"version":26,"children":5953,"direction":8,"textStyle":24,"textFormat":25},[5954],{"mode":33,"text":5955,"type":35,"style":24,"detail":25,"format":25,"version":26},"If earnings vary, separate dependable income from bonuses, commission or occasional payments. A budget built around an unusually good month may be difficult to sustain. Consider how essential bills would be covered during a quieter period.",{"type":38,"format":24,"indent":25,"version":26,"children":5957,"direction":8,"textStyle":24,"textFormat":25},[5958],{"mode":33,"text":5959,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep the figures on the same basis. For a monthly budget, weekly amounts can be multiplied by 52 and divided by 12; annual amounts can be divided by 12. Simply multiplying weekly spending by four understates its average monthly cost.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":5961,"direction":8},[5962],{"mode":33,"text":5963,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understand the full cost of running your household",{"type":38,"format":24,"indent":25,"version":26,"children":5965,"direction":8,"textStyle":24,"textFormat":25},[5966],{"mode":33,"text":5967,"type":35,"style":24,"detail":25,"format":25,"version":26},"A useful review looks beyond the largest direct debits. Our budgeting framework considers:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":5969,"listType":128,"direction":8},[5970,5976,5982,5988],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":5971,"direction":8},[5972,5974],{"mode":33,"text":5973,"type":35,"style":24,"detail":25,"format":26,"version":26},"Housing:",{"mode":33,"text":5975,"type":35,"style":24,"detail":25,"format":25,"version":26}," mortgage or rent, secured borrowing, Local Property Tax, utilities, insurance and household charges.",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":5977,"direction":8},[5978,5980],{"mode":33,"text":5979,"type":35,"style":24,"detail":25,"format":26,"version":26},"Regular commitments:",{"mode":33,"text":5981,"type":35,"style":24,"detail":25,"format":25,"version":26}," maintenance, pension contributions paid from your bank account, hire purchase, communications and other scheduled payments.",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":5983,"direction":8},[5984,5986],{"mode":33,"text":5985,"type":35,"style":24,"detail":25,"format":26,"version":26},"Everyday expenses:",{"mode":33,"text":5987,"type":35,"style":24,"detail":25,"format":25,"version":26}," groceries, transport, childcare, clothing, school costs and healthcare.",{"type":96,"value":115,"format":24,"indent":25,"version":26,"children":5989,"direction":8},[5990,5992],{"mode":33,"text":5991,"type":35,"style":24,"detail":25,"format":26,"version":26},"Other spending and provision:",{"mode":33,"text":5993,"type":35,"style":24,"detail":25,"format":25,"version":26}," leisure, gifts, professional fees, savings and agreed payments towards arrears or other liabilities.",{"type":38,"format":24,"indent":25,"version":26,"children":5995,"direction":8,"textStyle":24,"textFormat":25},[5996],{"mode":33,"text":5997,"type":35,"style":24,"detail":25,"format":25,"version":26},"Use recent statements and bills to check what you actually spend. Include cash purchases and irregular transactions that may be easy to overlook. The aim is a complete picture, not a judgement about individual choices.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":5999,"direction":8},[6000],{"mode":33,"text":6001,"type":35,"style":24,"detail":25,"format":25,"version":26},"Avoid counting the same money twice",{"type":38,"format":24,"indent":25,"version":26,"children":6003,"direction":8,"textStyle":24,"textFormat":25},[6004],{"mode":33,"text":6005,"type":35,"style":24,"detail":25,"format":25,"version":26},"If your budget starts with take-home pay after a pension deduction, do not subtract that same contribution again. Transfers between your own accounts are not additional household income. Likewise, avoid recording both individual credit-card purchases and the repayment of those same purchases as separate spending; account for interest and repayments of older debt appropriately.",{"type":38,"format":24,"indent":25,"version":26,"children":6007,"direction":8,"textStyle":24,"textFormat":25},[6008],{"mode":33,"text":6009,"type":35,"style":24,"detail":25,"format":25,"version":26},"For shared finances, agree whether the review covers the whole household or only your contribution. Mixing the two can make the apparent surplus misleading.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6011,"direction":8},[6012],{"mode":33,"text":6013,"type":35,"style":24,"detail":25,"format":25,"version":26},"Make room for costs that do not arrive monthly",{"type":38,"format":24,"indent":25,"version":26,"children":6015,"direction":8,"textStyle":24,"textFormat":25},[6016],{"mode":33,"text":6017,"type":35,"style":24,"detail":25,"format":25,"version":26},"Car insurance, home maintenance, school expenses and seasonal spending may not appear every month, but they still need funding. Allowing for them throughout the year makes the budget more realistic.",{"type":38,"format":24,"indent":25,"version":26,"children":6019,"direction":8,"textStyle":24,"textFormat":25},[6020],{"mode":33,"text":6021,"type":35,"style":24,"detail":25,"format":25,"version":26},"An annual bill of €1,200 represents an average monthly provision of €100. If the bill falls due sooner and nothing has been set aside, you may need to build the reserve more quickly. An annual average alone does not solve a short-term cash shortage.",{"type":38,"format":24,"indent":25,"version":26,"children":6023,"direction":8,"textStyle":24,"textFormat":25},[6024,6026,6033],{"mode":33,"text":6025,"type":35,"style":24,"detail":25,"format":25,"version":26},"Also consider when income arrives and payments leave your account. A budget can balance over the year while still leaving you short on a particular date. The CCPC recommends allowing for annual costs and checking whether your spending plan reflects real habits. ",{"id":6027,"type":837,"fields":6028,"format":24,"indent":25,"version":11,"children":6030,"direction":8},"6ae90c538eac7fbfe6391d3b",{"url":6029,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.ccpc.ie\u002Fmanage-your-money\u002Fday-to-day-finances\u002Fbudgeting-resources\u002Fbuilding-your-personal-budget-plan",[6031],{"mode":33,"text":6032,"type":35,"style":24,"detail":25,"format":25,"version":26},"CCPC: Building your personal budget plan",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6035,"direction":8},[6036],{"mode":33,"text":6037,"type":35,"style":24,"detail":25,"format":25,"version":26},"Give the monthly balance a purpose",{"type":38,"format":24,"indent":25,"version":26,"children":6039,"direction":8,"textStyle":24,"textFormat":25},[6040],{"mode":33,"text":6041,"type":35,"style":24,"detail":25,"format":25,"version":26},"Subtract total planned outgoings from reliable net income. Include the amounts already allocated to savings and known future costs, so that the remaining balance is genuinely unallocated money.",{"type":38,"format":24,"indent":25,"version":26,"children":6043,"direction":8,"textStyle":24,"textFormat":25},[6044],{"mode":33,"text":6045,"type":35,"style":24,"detail":25,"format":25,"version":26},"If there is a surplus, consider what it needs to achieve. It might support an accessible reserve, debt reduction, children’s education, retirement provision or another goal. The appropriate balance depends on your commitments, access needs and longer-term plan.",{"type":38,"format":24,"indent":25,"version":26,"children":6047,"direction":8,"textStyle":24,"textFormat":25},[6048],{"mode":33,"text":6049,"type":35,"style":24,"detail":25,"format":25,"version":26},"A positive figure is not automatically an investment budget. Money needed for tax, imminent spending or essential reserves should be identified first. Nor does a surplus in one month establish that the same contribution will remain affordable throughout the year.",{"type":38,"format":24,"indent":25,"version":26,"children":6051,"direction":8,"textStyle":24,"textFormat":25},[6052],{"mode":33,"text":6053,"type":35,"style":24,"detail":25,"format":25,"version":26},"If spending exceeds income, identify the size and cause of the gap. It may reflect a temporary expense, an overlooked commitment or a continuing affordability problem. A useful plan acknowledges the shortfall rather than relying on uncertain income to make it disappear.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6055,"direction":8},[6056],{"mode":33,"text":6057,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why getting support can make a difference",{"type":38,"format":24,"indent":25,"version":26,"children":6059,"direction":8,"textStyle":24,"textFormat":25},[6060],{"mode":33,"text":6061,"type":35,"style":24,"detail":25,"format":25,"version":26},"Recording figures is only the first step. The more valuable discussion is what those figures mean and which decisions would make the best use of the income available to you.",{"type":38,"format":24,"indent":25,"version":26,"children":6063,"direction":8,"textStyle":24,"textFormat":25},[6064],{"mode":33,"text":6065,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial planning support can help you separate essential commitments from flexible spending, test contributions against other priorities and identify changes that are practical to maintain. It can also bring attention to overlooked costs, duplicated provisions or a plan that depends too heavily on variable earnings.",{"type":38,"format":24,"indent":25,"version":26,"children":6067,"direction":8,"textStyle":24,"textFormat":25},[6068],{"mode":33,"text":6069,"type":35,"style":24,"detail":25,"format":25,"version":26},"Budgeting should sit alongside protection, borrowing and retirement decisions. For example, an affordable pension contribution must also leave enough accessible money for household needs. Reducing a monthly premium should be considered alongside the cover that would be lost, rather than treated as a saving in isolation.",{"type":38,"format":24,"indent":25,"version":26,"children":6071,"direction":8,"textStyle":24,"textFormat":25},[6072],{"mode":33,"text":6073,"type":35,"style":24,"detail":25,"format":25,"version":26},"The aim is to agree a workable allocation of income, with clear reasons for the choices. Ask what the advice service includes and how it is paid for before proceeding.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6075,"direction":8},[6076],{"mode":33,"text":6077,"type":35,"style":24,"detail":25,"format":25,"version":26},"Keep the budget useful as life changes",{"type":38,"format":24,"indent":25,"version":26,"children":6079,"direction":8,"textStyle":24,"textFormat":25},[6080],{"mode":33,"text":6081,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review actual income and spending against the plan regularly. A new job, parental leave, separation, redundancy or retirement can change both the amount available and what it must cover.",{"type":38,"format":24,"indent":25,"version":26,"children":6083,"direction":8,"textStyle":24,"textFormat":25},[6084],{"mode":33,"text":6085,"type":35,"style":24,"detail":25,"format":25,"version":26},"Choose a small number of actions, assign realistic amounts and check the result. Where appropriate, setting money aside when income arrives can help fund bills and goals consistently. Keep enough flexibility for changes rather than treating every estimate as fixed.",{"type":38,"format":24,"indent":25,"version":26,"children":6087,"direction":8,"textStyle":24,"textFormat":25},[6088],{"mode":33,"text":6089,"type":35,"style":24,"detail":25,"format":25,"version":26},"A budget should help you make decisions with greater confidence. It should also show when a goal needs a different contribution, timeframe or priority.",{"tag":206,"type":30,"format":24,"indent":25,"version":26,"children":6091,"direction":8},[6092],{"mode":33,"text":6093,"type":35,"style":24,"detail":25,"format":25,"version":26},"If bills or debts are already difficult to manage",{"type":38,"format":24,"indent":25,"version":26,"children":6095,"direction":8,"textStyle":24,"textFormat":25},[6096,6098,6105],{"mode":33,"text":6097,"type":35,"style":24,"detail":25,"format":25,"version":26},"Seek help early if essential payments are at risk. A budget can identify the gap, but cannot by itself resolve unaffordable debt. Contact the relevant lender or provider about difficulties and consider specialist money advice. MABS offers free, confidential money advice and budgeting support in Ireland. ",{"id":6099,"type":837,"fields":6100,"format":24,"indent":25,"version":11,"children":6102,"direction":8},"6ae90c538eac7fbfe6391d3c",{"url":6101,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.mabs.ie\u002F",[6103],{"mode":33,"text":6104,"type":35,"style":24,"detail":25,"format":25,"version":26},"Find out about MABS",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6107,"direction":8},[6108],{"mode":33,"text":6109,"type":35,"style":24,"detail":25,"format":25,"version":26},"Build a clearer plan with Indigo Investment Group",{"type":38,"format":24,"indent":25,"version":26,"children":6111,"direction":8,"textStyle":24,"textFormat":25},[6112],{"mode":33,"text":6113,"type":35,"style":24,"detail":25,"format":25,"version":26},"Indigo Investment Group can help you review your income and commitments as part of a wider financial plan. Together, we can identify what needs attention now and how affordable choices can support your future goals.",{"type":38,"format":24,"indent":25,"version":26,"children":6115,"direction":8,"textStyle":24,"textFormat":25},[6116],{"mode":33,"text":6117,"type":35,"style":24,"detail":25,"format":25,"version":26},"You do not need perfect records to begin. Recent payslips, bank statements, bills, loan details and a list of upcoming costs provide a useful starting point. Share personal information only through an agreed, secure channel.",{"type":38,"format":24,"indent":25,"version":26,"children":6119,"direction":8,"textStyle":24,"textFormat":25},[6120,6121,6126],{"mode":33,"text":1117,"type":35,"style":24,"detail":25,"format":25,"version":26},{"id":6122,"type":837,"fields":6123,"format":24,"indent":25,"version":11,"children":6124,"direction":8},"6ae90c538eac7fbfe6391d3d",{"url":4321,"newTab":6,"linkType":840},[6125],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":6127,"type":35,"style":24,"detail":25,"format":25,"version":26}," to discuss tailored financial advice and the scope and cost of support suited to your circumstances.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6129,"direction":8},[6130],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":6132,"direction":8,"textStyle":24,"textFormat":25},[6133],{"mode":33,"text":6134,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide provides general information for households in the Republic of Ireland. It is not personal financial, debt, legal or tax advice. The appropriate allocation of income depends on your circumstances and commitments. No particular level of savings or financial outcome is guaranteed.",{"type":38,"format":24,"indent":25,"version":26,"children":6136,"direction":8,"textStyle":24,"textFormat":25},[],{"title":6138,"description":5914,"image":8},"Budgeting | Indigo Investment Group","2026-11-02T22:45:37.040Z","2026-11-02T22:02:22.102Z",{"id":6142,"title":6143,"generateSlug":6,"url_title":6144,"sortOrder":4871,"type":144,"parent":6145,"page_heading":6143,"intro":6156,"image":6157,"content":6165,"seo":6396,"updatedAt":6399,"createdAt":6400},62,"Hierarchy of Financial Needs","hierarchy-of-needs",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":6146,"seo":6155,"updatedAt":163,"createdAt":163},{"root":6147},{"type":23,"format":24,"indent":25,"version":26,"children":6148,"direction":36},[6149,6152],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6150,"direction":36},[6151],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":6153,"direction":36,"textStyle":24,"textFormat":25},[6154],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"A clearer path to financial wellbeing - from cash flow and emergencies through accumulation, financial freedom and legacy.",{"id":6158,"alt":6159,"_objectKey":8,"updatedAt":6160,"createdAt":6161,"url":6162,"thumbnailURL":8,"filename":6163,"mimeType":171,"filesize":6164,"width":467,"height":173,"focalX":175,"focalY":175},16,"Hierarchy of Needs","2026-11-02T23:20:57.890Z","2026-11-02T22:45:48.625Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fhierarchy-of-needs.jpg","hierarchy-of-needs.jpg",255138,{"root":6166},{"type":23,"format":24,"indent":25,"version":26,"children":6167,"direction":36},[6168,6172,6176,6180,6193,6195,6199,6203,6207,6211,6225,6229,6233,6237,6241,6245,6259,6263,6267,6271,6275,6279,6293,6297,6301,6305,6309,6313,6317,6331,6335,6339,6343,6347,6351,6354,6368,6372,6376,6380,6384,6388,6392],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6169,"direction":36},[6170],{"mode":33,"text":6171,"type":35,"style":24,"detail":25,"format":25,"version":26},"A Clearer Path to Financial Wellbeing",{"type":38,"format":24,"indent":25,"version":26,"children":6173,"direction":36,"textStyle":24,"textFormat":25},[6174],{"mode":33,"text":6175,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial wellbeing is not simply about having investments or accumulating wealth. It is about making sure the different parts of your finances work together, from managing everyday spending and protecting against unexpected events to building long-term financial security and eventually planning your legacy.",{"type":38,"format":24,"indent":25,"version":26,"children":6177,"direction":36,"textStyle":24,"textFormat":25},[6178],{"mode":33,"text":6179,"type":35,"style":24,"detail":25,"format":25,"version":26},"The pyramid presents this in five stages.",{"id":6181,"type":6182,"value":6183,"fields":6191,"format":24,"version":11,"relationTo":6192},"6ae904588eac7fbfe6391ce2","upload",{"id":4857,"alt":6184,"_objectKey":8,"updatedAt":6185,"createdAt":6186,"url":6187,"thumbnailURL":8,"filename":6188,"mimeType":6189,"filesize":6190,"width":467,"height":173,"focalX":175,"focalY":175},"Hierarchy Triangle","2026-11-02T21:44:56.244Z","2026-11-02T21:44:55.201Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Fheirarchy-triangle.png","heirarchy-triangle.png","image\u002Fpng",1836565,{},"media",{"type":38,"format":24,"indent":25,"version":26,"children":6194,"direction":36,"textStyle":24,"textFormat":25},[],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6196,"direction":36},[6197],{"mode":33,"text":6198,"type":35,"style":24,"detail":25,"format":25,"version":26},"1. Cash Flow: Build the Foundation",{"type":38,"format":24,"indent":25,"version":26,"children":6200,"direction":36,"textStyle":24,"textFormat":25},[6201],{"mode":33,"text":6202,"type":35,"style":24,"detail":25,"format":25,"version":26},"Cash flow sits at the bottom because it supports everything above it.",{"type":38,"format":24,"indent":25,"version":26,"children":6204,"direction":36,"textStyle":24,"textFormat":25},[6205],{"mode":33,"text":6206,"type":35,"style":24,"detail":25,"format":25,"version":26},"This means understanding what is coming in, what is going out, and what is left over. Good cash-flow management helps you meet day-to-day expenses while creating capacity to save and plan for future goals.",{"type":38,"format":24,"indent":25,"version":26,"children":6208,"direction":36,"textStyle":24,"textFormat":25},[6209],{"mode":33,"text":6210,"type":35,"style":24,"detail":25,"format":25,"version":26},"The graphic highlights:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6212,"listType":128},[6213,6217,6221],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":6214,"direction":36},[6215],{"mode":33,"text":6216,"type":35,"style":24,"detail":25,"format":25,"version":26},"Meeting day-to-day expenses",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":6218,"direction":36},[6219],{"mode":33,"text":6220,"type":35,"style":24,"detail":25,"format":25,"version":26},"Budgeting and planning",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":6222,"direction":36},[6223],{"mode":33,"text":6224,"type":35,"style":24,"detail":25,"format":25,"version":26},"Protecting your cash flow",{"type":38,"format":24,"indent":25,"version":26,"children":6226,"direction":36,"textStyle":24,"textFormat":25},[6227],{"mode":33,"text":6228,"type":35,"style":24,"detail":25,"format":25,"version":26},"In simple terms: before focusing on long-term wealth, you need control and visibility over your everyday finances.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6230,"direction":36},[6231],{"mode":33,"text":6232,"type":35,"style":24,"detail":25,"format":25,"version":26},"2. Emergencies: Protect Against the Unexpected",{"type":38,"format":24,"indent":25,"version":26,"children":6234,"direction":36,"textStyle":24,"textFormat":25},[6235],{"mode":33,"text":6236,"type":35,"style":24,"detail":25,"format":25,"version":26},"Once day-to-day finances are under control, the next step is creating a financial safety net.",{"type":38,"format":24,"indent":25,"version":26,"children":6238,"direction":36,"textStyle":24,"textFormat":25},[6239],{"mode":33,"text":6240,"type":35,"style":24,"detail":25,"format":25,"version":26},"Unexpected costs or changes in circumstances can put pressure on even a well-structured financial plan. Building reserves and having appropriate protection can reduce the need to disrupt long-term savings or investments when something unexpected happens.",{"type":38,"format":24,"indent":25,"version":26,"children":6242,"direction":36,"textStyle":24,"textFormat":25},[6243],{"mode":33,"text":6244,"type":35,"style":24,"detail":25,"format":25,"version":26},"The graphic identifies:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6246,"listType":128},[6247,6251,6255],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":6248,"direction":36},[6249],{"mode":33,"text":6250,"type":35,"style":24,"detail":25,"format":25,"version":26},"Building a cash reserve",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":6252,"direction":36},[6253],{"mode":33,"text":6254,"type":35,"style":24,"detail":25,"format":25,"version":26},"Managing risk and insurance",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":6256,"direction":36},[6257],{"mode":33,"text":6258,"type":35,"style":24,"detail":25,"format":25,"version":26},"Creating extra peace of mind",{"type":38,"format":24,"indent":25,"version":26,"children":6260,"direction":36,"textStyle":24,"textFormat":25},[6261],{"mode":33,"text":6262,"type":35,"style":24,"detail":25,"format":25,"version":26},"The objective: ensure a financial setback does not automatically become a long-term financial problem.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6264,"direction":36},[6265],{"mode":33,"text":6266,"type":35,"style":24,"detail":25,"format":25,"version":26},"3. Accumulate: Build Your Wealth",{"type":38,"format":24,"indent":25,"version":26,"children":6268,"direction":36,"textStyle":24,"textFormat":25},[6269],{"mode":33,"text":6270,"type":35,"style":24,"detail":25,"format":25,"version":26},"With the foundations in place, attention can turn towards building and growing wealth over time.",{"type":38,"format":24,"indent":25,"version":26,"children":6272,"direction":36,"textStyle":24,"textFormat":25},[6273],{"mode":33,"text":6274,"type":35,"style":24,"detail":25,"format":25,"version":26},"This stage is about using surplus income effectively and making deliberate decisions about where money should go based on your priorities and future plans.",{"type":38,"format":24,"indent":25,"version":26,"children":6276,"direction":36,"textStyle":24,"textFormat":25},[6277],{"mode":33,"text":6278,"type":35,"style":24,"detail":25,"format":25,"version":26},"The graphic includes:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6280,"listType":128},[6281,6285,6289],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":6282,"direction":36},[6283],{"mode":33,"text":6284,"type":35,"style":24,"detail":25,"format":25,"version":26},"Paying down debt",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":6286,"direction":36},[6287],{"mode":33,"text":6288,"type":35,"style":24,"detail":25,"format":25,"version":26},"Retirement planning",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":6290,"direction":36},[6291],{"mode":33,"text":6292,"type":35,"style":24,"detail":25,"format":25,"version":26},"Building non-pension investments",{"type":38,"format":24,"indent":25,"version":26,"children":6294,"direction":36,"textStyle":24,"textFormat":25},[6295],{"mode":33,"text":6296,"type":35,"style":24,"detail":25,"format":25,"version":26},"For example, someone may be balancing mortgage repayments, pension contributions and personal investments. The right balance will depend on individual goals, circumstances, time horizon and priorities.",{"type":38,"format":24,"indent":25,"version":26,"children":6298,"direction":36,"textStyle":24,"textFormat":25},[6299],{"mode":33,"text":6300,"type":35,"style":24,"detail":25,"format":25,"version":26},"The aim is not simply to accumulate more money. It is to build the financial resources needed to support the life you want in the future.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6302,"direction":36},[6303],{"mode":33,"text":6304,"type":35,"style":24,"detail":25,"format":25,"version":26},"4. Financial Freedom: Turn Wealth into Choice",{"type":38,"format":24,"indent":25,"version":26,"children":6306,"direction":36,"textStyle":24,"textFormat":25},[6307],{"mode":33,"text":6308,"type":35,"style":24,"detail":25,"format":25,"version":26},"This is where financial planning becomes particularly meaningful.",{"type":38,"format":24,"indent":25,"version":26,"children":6310,"direction":36,"textStyle":24,"textFormat":25},[6311],{"mode":33,"text":6312,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial freedom does not necessarily mean becoming extraordinarily wealthy or stopping work completely. It means reaching a position where money gives you greater choice over how you live your life.",{"type":38,"format":24,"indent":25,"version":26,"children":6314,"direction":36,"textStyle":24,"textFormat":25},[6315],{"mode":33,"text":6316,"type":35,"style":24,"detail":25,"format":25,"version":26},"The graphic gives examples such as:",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6318,"listType":128},[6319,6323,6327],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":6320,"direction":36},[6321],{"mode":33,"text":6322,"type":35,"style":24,"detail":25,"format":25,"version":26},"Children's education",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":6324,"direction":36},[6325],{"mode":33,"text":6326,"type":35,"style":24,"detail":25,"format":25,"version":26},"Your retirement",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":6328,"direction":36},[6329],{"mode":33,"text":6330,"type":35,"style":24,"detail":25,"format":25,"version":26},"Lifestyle goals and future plans",{"type":38,"format":24,"indent":25,"version":26,"children":6332,"direction":36,"textStyle":24,"textFormat":25},[6333],{"mode":33,"text":6334,"type":35,"style":24,"detail":25,"format":25,"version":26},"For one person, financial freedom might mean retiring earlier. For another, it could mean working less, travelling more, helping children financially or simply knowing that work has become a choice rather than a necessity.",{"type":38,"format":24,"indent":25,"version":26,"children":6336,"direction":36,"textStyle":24,"textFormat":25},[6337],{"mode":33,"text":6338,"type":35,"style":24,"detail":25,"format":25,"version":26},"This stage shifts the conversation from “How much money do I have?” to “What can my money allow me to do?”",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6340,"direction":36},[6341],{"mode":33,"text":6342,"type":35,"style":24,"detail":25,"format":25,"version":26},"5. Legacy: Think Beyond Your Own Lifetime",{"type":38,"format":24,"indent":25,"version":26,"children":6344,"direction":36,"textStyle":24,"textFormat":25},[6345],{"mode":33,"text":6346,"type":35,"style":24,"detail":25,"format":25,"version":26},"At the top of the pyramid is legacy.",{"type":38,"format":24,"indent":25,"version":26,"children":6348,"direction":36,"textStyle":24,"textFormat":25},[6349],{"mode":33,"text":6350,"type":35,"style":24,"detail":25,"format":25,"version":26},"Once your own financial position and future needs are well provided for, financial planning can consider how wealth should eventually pass to the people or causes that matter to you.",{"type":38,"format":24,"indent":25,"version":26,"children":6352,"direction":36,"textStyle":24,"textFormat":25},[6353],{"mode":33,"text":6210,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6355,"listType":128},[6356,6360,6364],{"type":96,"value":26,"format":24,"indent":25,"version":26,"children":6357,"direction":36},[6358],{"mode":33,"text":6359,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estate planning",{"type":96,"value":16,"format":24,"indent":25,"version":26,"children":6361,"direction":36},[6362],{"mode":33,"text":6363,"type":35,"style":24,"detail":25,"format":25,"version":26},"Inheritance planning",{"type":96,"value":11,"format":24,"indent":25,"version":26,"children":6365,"direction":36},[6366],{"mode":33,"text":6367,"type":35,"style":24,"detail":25,"format":25,"version":26},"Passing on your values",{"type":38,"format":24,"indent":25,"version":26,"children":6369,"direction":36,"textStyle":24,"textFormat":25},[6370],{"mode":33,"text":6371,"type":35,"style":24,"detail":25,"format":25,"version":26},"Importantly, legacy is not simply about transferring assets. It can also involve thinking carefully about who you want to benefit, when you want them to benefit and what you want your wealth to achieve.",{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6373,"direction":36},[6374],{"mode":33,"text":6375,"type":35,"style":24,"detail":25,"format":25,"version":26},"How the Five Levels Work Together",{"type":38,"format":24,"indent":25,"version":26,"children":6377,"direction":36,"textStyle":24,"textFormat":25},[6378],{"mode":33,"text":6379,"type":35,"style":24,"detail":25,"format":25,"version":26},"The important point is that these areas should not be considered in isolation.",{"type":38,"format":24,"indent":25,"version":26,"children":6381,"direction":36,"textStyle":24,"textFormat":25},[6382],{"mode":33,"text":6383,"type":35,"style":24,"detail":25,"format":25,"version":26},"A person could have significant investments but inadequate emergency reserves. Someone could be contributing heavily towards retirement while struggling with monthly cash flow. Another person might have substantial wealth but no clear estate or inheritance plan.",{"type":38,"format":24,"indent":25,"version":26,"children":6385,"direction":36,"textStyle":24,"textFormat":25},[6386],{"mode":33,"text":6387,"type":35,"style":24,"detail":25,"format":25,"version":26},"The pyramid therefore encourages a more holistic approach:",{"type":38,"format":24,"indent":25,"version":26,"children":6389,"direction":36,"textStyle":24,"textFormat":26},[6390],{"mode":33,"text":6391,"type":35,"style":24,"detail":25,"format":26,"version":26},"Manage today → Protect against uncertainty → Build wealth → Create choice → Plan your legacy",{"type":38,"format":24,"indent":25,"version":26,"children":6393,"direction":36,"textStyle":24,"textFormat":25},[6394],{"mode":33,"text":6395,"type":35,"style":24,"detail":25,"format":25,"version":26},"That is really what the phrase “A Clearer Path to Financial Wellbeing” is communicating.",{"title":6397,"description":6398,"image":8},"Hierarchy of Financial Needs | Indigo Investment Group","Explore the five stages of financial wellbeing: cash flow, emergencies, accumulation, financial freedom and legacy.","2026-11-03T21:45:05.310Z","2026-11-02T21:31:03.287Z",{"id":6402,"title":6403,"generateSlug":6,"url_title":6404,"sortOrder":5400,"type":144,"parent":6405,"page_heading":6403,"intro":6416,"image":6417,"content":6424,"seo":6639,"updatedAt":6641,"createdAt":6642},68,"Financial Wellbeing at Work","financial-wellbeing-at-work",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":6406,"seo":6415,"updatedAt":163,"createdAt":163},{"root":6407},{"type":23,"format":24,"indent":25,"version":26,"children":6408,"direction":36},[6409,6412],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6410,"direction":36},[6411],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":6413,"direction":36,"textStyle":24,"textFormat":25},[6414],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"Supporting financial wellbeing in the workplace.",{"id":6418,"alt":6403,"_objectKey":8,"updatedAt":6419,"createdAt":6420,"url":6421,"thumbnailURL":8,"filename":6422,"mimeType":171,"filesize":6423,"width":467,"height":173,"focalX":175,"focalY":175},17,"2026-11-02T23:20:59.415Z","2026-11-02T22:46:04.100Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Ffinancial-wellbeing-at-work.jpg","financial-wellbeing-at-work.jpg",230404,{"root":6425},{"type":23,"format":24,"indent":25,"version":26,"children":6426,"direction":8},[6427,6430,6434,6438,6444,6448,6452,6456,6482,6489,6493,6497,6527,6531,6563,6567,6571,6577,6581,6585,6589,6593,6597,6635],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6428,"direction":8},[6429],{"mode":33,"text":6403,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":6431,"direction":8,"textStyle":24,"textFormat":26},[6432],{"mode":33,"text":6433,"type":35,"style":24,"detail":25,"format":26,"version":26},"Helping your people feel clearer, more confident and more in control of their financial future.",{"type":38,"format":811,"indent":25,"version":26,"children":6435,"direction":8,"textStyle":24,"textFormat":25},[6436],{"mode":33,"text":6437,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial wellbeing is not about being wealthy. It is about having the knowledge, confidence and practical support to manage money day to day, prepare for the unexpected and make informed decisions about the future. When employees feel more financially secure, they can bring greater focus, energy and confidence to work. When money worries are unresolved, the effects do not remain at home: they can influence sleep, mental wellbeing, concentration, attendance and engagement.",{"type":38,"format":811,"indent":25,"version":26,"children":6439,"direction":8,"textStyle":24,"textFormat":26},[6440,6442],{"mode":33,"text":6441,"type":35,"style":24,"detail":25,"format":26,"version":26},"Indigo Investment Group helps employers make financial wellbeing practical.",{"mode":33,"text":6443,"type":35,"style":24,"detail":25,"format":25,"version":26}," Through confidential one-to-one conversations, we give employees a supportive space to understand their position, identify priorities and take sensible next steps.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6445,"direction":8},[6446],{"mode":33,"text":6447,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why financial wellbeing is a business issue",{"type":38,"format":811,"indent":25,"version":26,"children":6449,"direction":8,"textStyle":24,"textFormat":25},[6450],{"mode":33,"text":6451,"type":35,"style":24,"detail":25,"format":25,"version":26},"Financial pressure can absorb attention, reduce resilience and make it harder to concentrate. Employees may spend working time thinking about bills, debt, protection, pensions or unexpected costs. Over time, this can contribute to distraction, lower productivity, absence and a weaker connection with the organisation. It can also affect retention: an employee under sustained financial strain may be more inclined to seek higher pay elsewhere or move to an employer perceived to care more about financial wellbeing.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":6453,"direction":8},[6454],{"mode":33,"text":6455,"type":35,"style":24,"detail":25,"format":25,"version":26},"The evidence",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6457,"listType":128,"direction":8,"textFormat":26},[6458,6464,6470,6476],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":6459,"direction":8},[6460,6462],{"mode":33,"text":6461,"type":35,"style":24,"detail":25,"format":26,"version":26},"Money worries are widespread in Ireland.",{"mode":33,"text":6463,"type":35,"style":24,"detail":25,"format":25,"version":26}," Research cited by Ibec in 2025, based on more than 1,000 employees across Ireland, found that 74% regard money matters as stressful, 76% do not understand their workplace financial benefits and 82% believe they should receive more education on effective money management.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":6465,"direction":8},[6466,6468],{"mode":33,"text":6467,"type":35,"style":24,"detail":25,"format":26,"version":26},"Financial stress follows people into work.",{"mode":33,"text":6469,"type":35,"style":24,"detail":25,"format":25,"version":26}," Zellis reported in 2025 that 92% of surveyed UK and Irish employees had experienced financial stress or worry in the previous year and 89% said it had affected their working lives. Almost half reported greater difficulty focusing or concentrating, while more than a quarter said it made them less productive.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":6471,"direction":8},[6472,6474],{"mode":33,"text":6473,"type":35,"style":24,"detail":25,"format":26,"version":26},"Retention can be affected.",{"mode":33,"text":6475,"type":35,"style":24,"detail":25,"format":25,"version":26}," PwC’s 2023 US survey found that financially stressed employees were twice as likely to be looking for a new job: 36%, compared with 18% of employees who were not financially stressed. Among financially stressed employees distracted at work, 56% spent three hours or more each week dealing with or thinking about personal finances.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":6477,"direction":8},[6478,6480],{"mode":33,"text":6479,"type":35,"style":24,"detail":25,"format":26,"version":26},"The evidence extends beyond individual surveys.",{"mode":33,"text":6481,"type":35,"style":24,"detail":25,"format":25,"version":26}," A CIPD evidence review concluded that financial distress is associated with poorer wellbeing and job performance, creating implications for employers as well as employees.",{"type":6483,"format":811,"indent":25,"version":26,"children":6484,"direction":8},"quote",[6485],{"type":38,"format":811,"indent":25,"version":26,"children":6486,"direction":8,"textStyle":24,"textFormat":25},[6487],{"mode":33,"text":6488,"type":35,"style":24,"detail":25,"format":25,"version":26},"Different studies use different samples and measures, so individual percentages should not be treated as a forecast for every organisation. Taken together, however, the research points consistently in one direction: financial strain can affect wellbeing, concentration, performance and an employee’s intention to stay.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6490,"direction":8},[6491],{"mode":33,"text":6492,"type":35,"style":24,"detail":25,"format":25,"version":26},"A confidential conversation can be the first step",{"type":38,"format":811,"indent":25,"version":26,"children":6494,"direction":8,"textStyle":24,"textFormat":25},[6495],{"mode":33,"text":6496,"type":35,"style":24,"detail":25,"format":25,"version":26},"Many employees know they should take action but are unsure where to begin. Generic information can raise awareness; a private one-to-one conversation can help an individual turn that awareness into a clear and relevant plan. An Indigo financial wellbeing specialist can meet colleagues confidentially, listen without judgement and help them understand the areas that matter most to them.",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6498,"listType":128,"direction":8},[6499,6503,6507,6511,6515,6519,6523],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":6500,"direction":8},[6501],{"mode":33,"text":6502,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understanding income, expenditure and cash-flow pressures",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":6504,"direction":8},[6505],{"mode":33,"text":6506,"type":35,"style":24,"detail":25,"format":25,"version":26},"Building an emergency fund and stronger savings habits",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":6508,"direction":8},[6509],{"mode":33,"text":6510,"type":35,"style":24,"detail":25,"format":25,"version":26},"Reviewing debt priorities and the cost of borrowing",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":6512,"direction":8},[6513],{"mode":33,"text":6514,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understanding workplace benefits and pensions",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":6516,"direction":8},[6517],{"mode":33,"text":6518,"type":35,"style":24,"detail":25,"format":25,"version":26},"Considering family protection, life cover, serious illness cover and income protection",{"type":96,"value":674,"format":811,"indent":25,"version":26,"children":6520,"direction":8},[6521],{"mode":33,"text":6522,"type":35,"style":24,"detail":25,"format":25,"version":26},"Setting practical short-, medium- and long-term financial goals",{"type":96,"value":607,"format":811,"indent":25,"version":26,"children":6524,"direction":8},[6525],{"mode":33,"text":6526,"type":35,"style":24,"detail":25,"format":25,"version":26},"Knowing when regulated financial advice or specialist debt support may be appropriate",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6528,"direction":8},[6529],{"mode":33,"text":6530,"type":35,"style":24,"detail":25,"format":25,"version":26},"Why employers choose to act",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6532,"listType":128,"direction":8,"textFormat":26},[6533,6539,6545,6551,6557],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":6534,"direction":8},[6535,6537],{"mode":33,"text":6536,"type":35,"style":24,"detail":25,"format":26,"version":26},"Support concentration and productivity:",{"mode":33,"text":6538,"type":35,"style":24,"detail":25,"format":25,"version":26}," give employees a route to address financial questions rather than carrying them silently through the working day.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":6540,"direction":8},[6541,6543],{"mode":33,"text":6542,"type":35,"style":24,"detail":25,"format":26,"version":26},"Strengthen attraction and retention:",{"mode":33,"text":6544,"type":35,"style":24,"detail":25,"format":25,"version":26}," demonstrate a genuine commitment to employees’ overall wellbeing, not simply their salary.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":6546,"direction":8},[6547,6549],{"mode":33,"text":6548,"type":35,"style":24,"detail":25,"format":26,"version":26},"Improve the value of existing benefits:",{"mode":33,"text":6550,"type":35,"style":24,"detail":25,"format":25,"version":26}," help colleagues understand pensions, protection and other supports already available to them.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":6552,"direction":8},[6553,6555],{"mode":33,"text":6554,"type":35,"style":24,"detail":25,"format":26,"version":26},"Build resilience:",{"mode":33,"text":6556,"type":35,"style":24,"detail":25,"format":25,"version":26}," equip employees to prepare for financial shocks and major life events.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":6558,"direction":8},[6559,6561],{"mode":33,"text":6560,"type":35,"style":24,"detail":25,"format":26,"version":26},"Promote a positive culture:",{"mode":33,"text":6562,"type":35,"style":24,"detail":25,"format":25,"version":26}," normalise informed conversations about money while respecting privacy and personal choice.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":6564,"direction":8},[6565],{"mode":33,"text":6566,"type":35,"style":24,"detail":25,"format":25,"version":26},"What an Indigo workplace programme can include",{"type":38,"format":811,"indent":25,"version":26,"children":6568,"direction":8,"textStyle":24,"textFormat":25},[6569],{"mode":33,"text":6570,"type":35,"style":24,"detail":25,"format":25,"version":26},"We can conduct confidential one-to-one meetings. The group session introduces the foundations of financial wellbeing and gives employees a shared language for money matters. Individual meetings then allow colleagues to discuss their own priorities privately and receive clear, practical guidance tailored to their stage of life.",{"type":38,"format":811,"indent":25,"version":26,"children":6572,"direction":8,"textStyle":24,"textFormat":26},[6573,6575],{"mode":33,"text":6574,"type":35,"style":24,"detail":25,"format":26,"version":26},"Privacy is central.",{"mode":33,"text":6576,"type":35,"style":24,"detail":25,"format":25,"version":26}," Participation should be voluntary. Personal financial information discussed in an individual meeting remains confidential and is not shared with the employer. Any employer reporting can be limited to anonymised participation and broad themes, with no personally identifiable financial details.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6578,"direction":8},[6579],{"mode":33,"text":6580,"type":35,"style":24,"detail":25,"format":25,"version":26},"Invest in the wellbeing behind the performance",{"type":38,"format":811,"indent":25,"version":26,"children":6582,"direction":8,"textStyle":24,"textFormat":25},[6583],{"mode":33,"text":6584,"type":35,"style":24,"detail":25,"format":25,"version":26},"Supporting financial wellbeing is not about stepping into an employee’s private life. It is about giving people access to trusted information, a confidential conversation and a clearer path forward. A well-designed programme can complement your existing wellbeing and benefits strategy while helping your people feel supported, valued and better equipped to make informed decisions.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":6586,"direction":8},[6587],{"mode":33,"text":6588,"type":35,"style":24,"detail":25,"format":25,"version":26},"Start a conversation about financial wellbeing",{"type":38,"format":811,"indent":25,"version":26,"children":6590,"direction":8,"textStyle":24,"textFormat":25},[6591],{"mode":33,"text":6592,"type":35,"style":24,"detail":25,"format":25,"version":26},"Invite Indigo Investment Group to deliver a workplace financial wellbeing session and confidential one-to-one appointments for your team.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":6594,"direction":8},[6595],{"mode":33,"text":6596,"type":35,"style":24,"detail":25,"format":25,"version":26},"Research sources",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6598,"listType":128,"direction":8},[6599,6608,6617,6626],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":6600,"direction":8},[6601],{"id":6602,"type":837,"fields":6603,"format":24,"indent":25,"version":11,"children":6605,"direction":8},"6ae90cc18eac7fbfe6391d3e",{"url":6604,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.ibec.ie\u002Fconnect-and-learn\u002Finsights\u002Finsights\u002F2025\u002F07\u002F09\u002Ffinancial-stress",[6606],{"mode":33,"text":6607,"type":35,"style":24,"detail":25,"format":25,"version":26},"Ibec: Financial Stress is the Silent Threat to Irish Workplace Wellbeing (2025)",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":6609,"direction":8},[6610],{"id":6611,"type":837,"fields":6612,"format":24,"indent":25,"version":11,"children":6614,"direction":8},"6ae90cc18eac7fbfe6391d3f",{"url":6613,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.zellis.com\u002Fresources\u002Fpress-and-media\u002Ffinancial-wellbeing-report-2025-reveals-silent-workplace-crisis-as-employee-financial-stress-surges\u002F",[6615],{"mode":33,"text":6616,"type":35,"style":24,"detail":25,"format":25,"version":26},"Zellis Financial Wellbeing Report 2025",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":6618,"direction":8},[6619],{"id":6620,"type":837,"fields":6621,"format":24,"indent":25,"version":11,"children":6623,"direction":8},"6ae90cc18eac7fbfe6391d40",{"url":6622,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.insurancejournal.com\u002Fmagazines\u002Fmag-editorsnote\u002F2023\u002F10\u002F16\u002F743913.htm",[6624],{"mode":33,"text":6625,"type":35,"style":24,"detail":25,"format":25,"version":26},"PwC 2023 Employee Financial Wellness Survey findings, reported by Insurance Journal",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":6627,"direction":8},[6628],{"id":6629,"type":837,"fields":6630,"format":24,"indent":25,"version":11,"children":6632,"direction":8},"6ae90cc18eac7fbfe6391d41",{"url":6631,"newTab":6,"linkType":840},"https:\u002F\u002Fprod.cipd.org\u002Fglobalassets\u002Fmedia\u002Fknowledge\u002Fknowledge-hub\u002Fevidence-reviews\u002Ffinancial-wellbeing-evidence-review-scientific-summary-1_tcm18-102718.pdf",[6633],{"mode":33,"text":6634,"type":35,"style":24,"detail":25,"format":25,"version":26},"CIPD: Financial Wellbeing - An Evidence Review",{"type":38,"format":811,"indent":25,"version":26,"children":6636,"direction":8,"textStyle":24,"textFormat":25},[6637],{"mode":33,"text":6638,"type":35,"style":24,"detail":25,"format":25,"version":26},"Information on this page is general in nature and is not a substitute for advice based on an individual’s circumstances. Where a personal recommendation is provided, the applicable fact-finding, suitability and regulatory requirements will apply.",{"title":6640,"description":6416,"image":8},"Financial Wellbeing at Work | Indigo Investment Group","2026-11-03T21:46:12.507Z","2026-11-02T22:02:22.440Z",{"id":6644,"title":6645,"generateSlug":6,"url_title":6646,"sortOrder":5916,"type":144,"parent":6647,"page_heading":6645,"intro":6658,"image":6659,"content":6666,"seo":6921,"updatedAt":6923,"createdAt":6924},69,"Estate Planning","estate-planning-guide",{"id":146,"title":147,"generateSlug":6,"url_title":148,"sortOrder":8,"type":144,"parent":8,"page_heading":147,"intro":149,"image":8,"content":6648,"seo":6657,"updatedAt":163,"createdAt":163},{"root":6649},{"type":23,"format":24,"indent":25,"version":26,"children":6650,"direction":36},[6651,6654],{"tag":29,"type":30,"format":24,"indent":25,"version":26,"children":6652,"direction":36},[6653],{"mode":33,"text":156,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":24,"indent":25,"version":26,"children":6655,"direction":36,"textStyle":24,"textFormat":25},[6656],{"mode":33,"text":160,"type":35,"style":24,"detail":25,"format":25,"version":26},{"title":162,"description":149,"image":8},"An introduction to estate planning and how to prepare for the future.",{"id":6660,"alt":6645,"_objectKey":8,"updatedAt":6661,"createdAt":6662,"url":6663,"thumbnailURL":8,"filename":6664,"mimeType":171,"filesize":6665,"width":467,"height":173,"focalX":175,"focalY":175},20,"2026-11-03T21:04:06.857Z","2026-11-03T21:04:05.489Z","https:\u002F\u002Fiigcms.davidbehan.com\u002Fapi\u002Fmedia\u002Ffile\u002Festate-planing.jpg","estate-planing.jpg",557639,{"root":6667},{"type":23,"format":24,"indent":25,"version":26,"children":6668,"direction":8},[6669,6672,6676,6680,6684,6688,6773,6785,6797,6801,6813,6817,6821,6825,6829,6833,6845,6849,6853,6874,6878,6900,6903,6914,6917],{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6670,"direction":8},[6671],{"mode":33,"text":6645,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":6673,"direction":8,"textStyle":24,"textFormat":26},[6674],{"mode":33,"text":6675,"type":35,"style":24,"detail":25,"format":26,"version":26},"Plan how to pass wealth to your family in Ireland",{"type":38,"format":811,"indent":25,"version":26,"children":6677,"direction":8,"textStyle":24,"textFormat":25},[6678],{"mode":33,"text":6679,"type":35,"style":24,"detail":25,"format":25,"version":26},"Passing wealth to the next generation starts with deciding what you want that wealth to do. You may want to help children buy a home, support grandchildren with education or keep a family business intact. A good estate plan considers who should benefit, when they should receive support and what you need to retain for your own retirement and care.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6681,"direction":8},[6682],{"mode":33,"text":6683,"type":35,"style":24,"detail":25,"format":25,"version":26},"Understand Irish gift and inheritance tax",{"type":38,"format":811,"indent":25,"version":26,"children":6685,"direction":8,"textStyle":24,"textFormat":25},[6686],{"mode":33,"text":6687,"type":35,"style":24,"detail":25,"format":25,"version":26},"Capital Acquisitions Tax (CAT) is generally paid by the person receiving a gift or inheritance. The tax-free threshold depends on their relationship to the person giving it. Gifts and inheritances between spouses or civil partners are generally exempt.",{"type":231,"format":24,"indent":25,"version":26,"children":6689,"colWidths":6771,"direction":8},[6690,6710,6731,6751],{"type":234,"format":811,"indent":25,"version":26,"children":6691,"direction":8},[6692,6698,6704],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6693,"direction":8,"headerState":16,"backgroundColor":8},[6694],{"type":38,"format":24,"indent":25,"version":26,"children":6695,"direction":8,"textStyle":24,"textFormat":25},[6696],{"mode":33,"text":6697,"type":35,"style":24,"detail":25,"format":25,"version":26},"Group",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6699,"direction":8,"headerState":16,"backgroundColor":8},[6700],{"type":38,"format":24,"indent":25,"version":26,"children":6701,"direction":8,"textStyle":24,"textFormat":25},[6702],{"mode":33,"text":6703,"type":35,"style":24,"detail":25,"format":25,"version":26},"Common examples",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6705,"direction":8,"headerState":16,"backgroundColor":8},[6706],{"type":38,"format":24,"indent":25,"version":26,"children":6707,"direction":8,"textStyle":24,"textFormat":25},[6708],{"mode":33,"text":6709,"type":35,"style":24,"detail":25,"format":25,"version":26},"Threshold",{"type":234,"format":811,"indent":25,"version":26,"children":6711,"direction":8},[6712,6719,6725],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6713,"direction":8,"headerState":25,"backgroundColor":8},[6714],{"type":38,"format":6715,"indent":25,"version":26,"children":6716,"direction":8,"textStyle":24,"textFormat":25},"left",[6717],{"mode":33,"text":6718,"type":35,"style":24,"detail":25,"format":25,"version":26},"A",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6720,"direction":8,"headerState":25,"backgroundColor":8},[6721],{"type":38,"format":6715,"indent":25,"version":26,"children":6722,"direction":8,"textStyle":24,"textFormat":25},[6723],{"mode":33,"text":6724,"type":35,"style":24,"detail":25,"format":25,"version":26},"A child receiving a gift or inheritance from a parent",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6726,"direction":8,"headerState":25,"backgroundColor":8},[6727],{"type":38,"format":6715,"indent":25,"version":26,"children":6728,"direction":8,"textStyle":24,"textFormat":25},[6729],{"mode":33,"text":6730,"type":35,"style":24,"detail":25,"format":25,"version":26},"€420,000",{"type":234,"format":811,"indent":25,"version":26,"children":6732,"direction":8},[6733,6739,6745],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6734,"direction":8,"headerState":25,"backgroundColor":8},[6735],{"type":38,"format":6715,"indent":25,"version":26,"children":6736,"direction":8,"textStyle":24,"textFormat":25},[6737],{"mode":33,"text":6738,"type":35,"style":24,"detail":25,"format":25,"version":26},"B",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6740,"direction":8,"headerState":25,"backgroundColor":8},[6741],{"type":38,"format":6715,"indent":25,"version":26,"children":6742,"direction":8,"textStyle":24,"textFormat":25},[6743],{"mode":33,"text":6744,"type":35,"style":24,"detail":25,"format":25,"version":26},"A sibling, grandchild, niece or nephew receiving a gift or inheritance",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6746,"direction":8,"headerState":25,"backgroundColor":8},[6747],{"type":38,"format":6715,"indent":25,"version":26,"children":6748,"direction":8,"textStyle":24,"textFormat":25},[6749],{"mode":33,"text":6750,"type":35,"style":24,"detail":25,"format":25,"version":26},"€44,000",{"type":234,"format":811,"indent":25,"version":26,"children":6752,"direction":8},[6753,6759,6765],{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6754,"direction":8,"headerState":25,"backgroundColor":8},[6755],{"type":38,"format":6715,"indent":25,"version":26,"children":6756,"direction":8,"textStyle":24,"textFormat":25},[6757],{"mode":33,"text":6758,"type":35,"style":24,"detail":25,"format":25,"version":26},"C",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6760,"direction":8,"headerState":25,"backgroundColor":8},[6761],{"type":38,"format":6715,"indent":25,"version":26,"children":6762,"direction":8,"textStyle":24,"textFormat":25},[6763],{"mode":33,"text":6764,"type":35,"style":24,"detail":25,"format":25,"version":26},"Other relationships, such as friends or cousins",{"type":237,"format":24,"indent":25,"colSpan":26,"rowSpan":26,"version":26,"children":6766,"direction":8,"headerState":25,"backgroundColor":8},[6767],{"type":38,"format":6715,"indent":25,"version":26,"children":6768,"direction":8,"textStyle":24,"textFormat":25},[6769],{"mode":33,"text":6770,"type":35,"style":24,"detail":25,"format":25,"version":26},"€22,000",[6772,6772,6772],92,{"type":38,"format":811,"indent":25,"version":26,"children":6774,"direction":8,"textStyle":24,"textFormat":25},[6775,6777,6784],{"mode":33,"text":6776,"type":35,"style":24,"detail":25,"format":25,"version":26},"These thresholds apply to benefits taken on or after 7 October 2026. The examples are not exhaustive: special rules can change the group that applies. ",{"id":6778,"type":837,"fields":6779,"format":24,"indent":25,"version":11,"children":6781,"direction":8},"6aea4bbfd2db334a1531365d",{"url":6780,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fgains-gifts-and-inheritance\u002Fcat-thresholds-rates-and-aggregation-rules\u002Fcat-thresholds.aspx",[6782],{"mode":33,"text":6783,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: CAT group thresholds",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":6786,"direction":8,"textStyle":24,"textFormat":25},[6787,6789,6796],{"mode":33,"text":6788,"type":35,"style":24,"detail":25,"format":25,"version":26},"Each threshold is shared across taxable gifts and inheritances in the same group received since 5 December 1991. It is not a fresh allowance for each donor. For instance, taxable benefits from both parents generally use the same Group A threshold. CAT is generally charged at 33% on the taxable amount above the remaining threshold. A return can be required before tax is due, so keep a record of earlier benefits. ",{"id":6790,"type":837,"fields":6791,"format":24,"indent":25,"version":11,"children":6793,"direction":8},"6aea4bbfd2db334a1531365e",{"url":6792,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fgains-gifts-and-inheritance\u002Fgift-and-inheritance-tax-cat\u002Fhow-do-you-calculate-cat.aspx",[6794],{"mode":33,"text":6795,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Calculating CAT",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6798,"direction":8},[6799],{"mode":33,"text":6800,"type":35,"style":24,"detail":25,"format":25,"version":26},"Consider giving during your lifetime",{"type":38,"format":811,"indent":25,"version":26,"children":6802,"direction":8,"textStyle":24,"textFormat":25},[6803,6805,6812],{"mode":33,"text":6804,"type":35,"style":24,"detail":25,"format":25,"version":26},"Lifetime gifts can help family members when they need support most. Under the Small Gift Exemption, a person can receive up to €3,000 from each donor in a calendar year without using their CAT threshold. Two parents can therefore each give €3,000 to the same child in a year, giving the child €6,000 in exempt gifts. The exemption applies to gifts, not inheritances. ",{"id":6806,"type":837,"fields":6807,"format":24,"indent":25,"version":11,"children":6809,"direction":8},"6aea4bbfd2db334a1531365f",{"url":6808,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Fgains-gifts-and-inheritance\u002Fcat-exemptions\u002Fsmall-gift-exemption\u002Findex.aspx",[6810],{"mode":33,"text":6811,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Small Gift Exemption",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":6814,"direction":8,"textStyle":24,"textFormat":25},[6815],{"mode":33,"text":6816,"type":35,"style":24,"detail":25,"format":25,"version":26},"Before transferring property, investments or business interests, check the tax and practical consequences for both sides. A transfer may have Capital Gains Tax or stamp duty implications even when no money changes hands. Agricultural Relief, Business Relief and the Dwelling House Exemption may help in specific cases, but each has conditions. Check eligibility before relying on a relief, and make sure you can afford to give up the asset or the income it produces.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6818,"direction":8},[6819],{"mode":33,"text":6820,"type":35,"style":24,"detail":25,"format":25,"version":26},"Plan how the tax bill will be paid",{"type":38,"format":811,"indent":25,"version":26,"children":6822,"direction":8,"textStyle":24,"textFormat":25},[6823],{"mode":33,"text":6824,"type":35,"style":24,"detail":25,"format":25,"version":26},"A family may inherit a valuable property or business without receiving enough cash to pay the tax. Planning for that cash shortfall can reduce the risk of a hurried sale. Sections 72 and 73 offer two ways to set aside money for qualifying tax bills. They do not remove the tax on the underlying gift or inheritance.",{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":6826,"direction":8},[6827],{"mode":33,"text":6828,"type":35,"style":24,"detail":25,"format":25,"version":26},"Section 72: funding inheritance tax",{"type":38,"format":811,"indent":25,"version":26,"children":6830,"direction":8,"textStyle":24,"textFormat":25},[6831],{"mode":33,"text":6832,"type":35,"style":24,"detail":25,"format":25,"version":26},"A qualifying Section 72 life assurance policy is designed to provide funds on death to pay inheritance tax. The proceeds are exempt from CAT to the extent they are used to pay qualifying inheritance tax within the applicable time limit and the statutory conditions are met. Excess proceeds can themselves be treated as an inheritance for CAT purposes.",{"type":38,"format":811,"indent":25,"version":26,"children":6834,"direction":8,"textStyle":24,"textFormat":25},[6835,6837,6844],{"mode":33,"text":6836,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estimate the likely tax bill for each beneficiary and compare it with cash already available. Check who should own the policy, how it will interact with your will, what premiums are affordable and how the proceeds will reach the people who need to pay the tax. Revisit the amount of cover if asset values, beneficiaries or tax rules change. ",{"id":6838,"type":837,"fields":6839,"format":24,"indent":25,"version":11,"children":6841,"direction":8},"6aea4bbfd2db334a15313660",{"url":6840,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.goodbody.ie\u002Fwealth-insights\u002Fpassing-on-property\u002F",[6842],{"mode":33,"text":6843,"type":35,"style":24,"detail":25,"format":25,"version":26},"Goodbody: Passing on property",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":206,"type":30,"format":811,"indent":25,"version":26,"children":6846,"direction":8},[6847],{"mode":33,"text":6848,"type":35,"style":24,"detail":25,"format":25,"version":26},"Section 73: funding tax on a planned lifetime gift",{"type":38,"format":811,"indent":25,"version":26,"children":6850,"direction":8,"textStyle":24,"textFormat":25},[6851],{"mode":33,"text":6852,"type":35,"style":24,"detail":25,"format":25,"version":26},"A qualifying Section 73 policy can help you build a fund over time for tax on a planned lifetime transfer. It may suit a gift that is still years away. It is not a way to fund an immediate transfer: the ordinary statutory timing rule requires at least eight years before the appointed date, and the qualifying gift must be made within one year after that date.",{"type":38,"format":811,"indent":25,"version":26,"children":6854,"direction":8,"textStyle":24,"textFormat":25},[6855,6857,6864,6866,6873],{"mode":33,"text":6856,"type":35,"style":24,"detail":25,"format":25,"version":26},"Check premium and withdrawal conditions, charges, investment risk and the timing of the gift with your adviser. The relief applies only to proceeds used for qualifying tax under the rules. The fund may fall short of the bill, and unused proceeds can themselves be treated as a gift for CAT purposes. ",{"id":6858,"type":837,"fields":6859,"format":24,"indent":25,"version":11,"children":6861,"direction":8},"6aea4bbfd2db334a15313661",{"url":6860,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.zurich.ie\u002Fsavings-and-investments\u002Fsavings-options\u002Fsection-73\u002F",[6862],{"mode":33,"text":6863,"type":35,"style":24,"detail":25,"format":25,"version":26},"Zurich Ireland: Section 73",{"mode":33,"text":6865,"type":35,"style":24,"detail":25,"format":25,"version":26}," · ",{"id":6867,"type":837,"fields":6868,"format":24,"indent":25,"version":11,"children":6870,"direction":8},"6aea4bbfd2db334a15313662",{"url":6869,"newTab":6,"linkType":840},"https:\u002F\u002Fwww.revenue.ie\u002Fen\u002Ftax-professionals\u002Ftdm\u002Fcapital-acquisitions-tax\u002Fcat-manual\u002Fpart-09-exemptions\u002Fsections-72-73-relief-in-respect-of-certain-policies-of-insurance.pdf",[6871],{"mode":33,"text":6872,"type":35,"style":24,"detail":25,"format":25,"version":26},"Revenue: Sections 72 and 73",{"mode":33,"text":845,"type":35,"style":24,"detail":25,"format":25,"version":26},{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6875,"direction":8},[6876],{"mode":33,"text":6877,"type":35,"style":24,"detail":25,"format":25,"version":26},"Bring your family plan together",{"tag":92,"type":93,"start":26,"format":24,"indent":25,"version":26,"children":6879,"listType":128,"direction":8},[6880,6884,6888,6892,6896],{"type":96,"value":26,"format":811,"indent":25,"version":26,"children":6881,"direction":8},[6882],{"mode":33,"text":6883,"type":35,"style":24,"detail":25,"format":25,"version":26},"List your assets, ownership, debts and intended beneficiaries.",{"type":96,"value":16,"format":811,"indent":25,"version":26,"children":6885,"direction":8},[6886],{"mode":33,"text":6887,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estimate what you need for retirement, emergencies and possible care costs before making gifts.",{"type":96,"value":11,"format":811,"indent":25,"version":26,"children":6889,"direction":8},[6890],{"mode":33,"text":6891,"type":35,"style":24,"detail":25,"format":25,"version":26},"Review your will with your solicitor and check how jointly owned assets, pension benefits and insurance policies are dealt with.",{"type":96,"value":115,"format":811,"indent":25,"version":26,"children":6893,"direction":8},[6894],{"mode":33,"text":6895,"type":35,"style":24,"detail":25,"format":25,"version":26},"Estimate each beneficiary’s tax exposure using their relationship and earlier gifts and inheritances.",{"type":96,"value":122,"format":811,"indent":25,"version":26,"children":6897,"direction":8},[6898],{"mode":33,"text":6899,"type":35,"style":24,"detail":25,"format":25,"version":26},"Compare available cash, lifetime gifts and qualifying insurance or savings policies. Agree who will act and when to review the plan.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6901,"direction":8},[6902],{"mode":33,"text":4309,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":6904,"direction":8,"textStyle":24,"textFormat":25},[6905,6907,6912],{"mode":33,"text":6906,"type":35,"style":24,"detail":25,"format":25,"version":26},"We can help you assess what you can afford to pass on and how your family could fund any tax due. Contact ",{"id":6908,"type":837,"fields":6909,"format":24,"indent":25,"version":11,"children":6910,"direction":8},"6aea4bbfd2db334a15313663",{"url":1121,"newTab":6,"linkType":840},[6911],{"mode":33,"text":1124,"type":35,"style":24,"detail":25,"format":25,"version":26},{"mode":33,"text":6913,"type":35,"style":24,"detail":25,"format":25,"version":26}," to discuss tailored financial advice alongside advice from your solicitor and tax adviser.",{"tag":29,"type":30,"format":811,"indent":25,"version":26,"children":6915,"direction":8},[6916],{"mode":33,"text":1130,"type":35,"style":24,"detail":25,"format":25,"version":26},{"type":38,"format":811,"indent":25,"version":26,"children":6918,"direction":8,"textStyle":24,"textFormat":25},[6919],{"mode":33,"text":6920,"type":35,"style":24,"detail":25,"format":25,"version":26},"This guide provides general information for Ireland, not personal financial, legal or tax advice. Tax rules, policy terms and asset values can change. Check the position before making a gift, changing your will or taking out a policy. Where a policy is invested, its value can fall as well as rise and you may get back less than you invest.",{"title":6922,"description":6658,"image":8},"Estate Planning | Indigo Investment Group","2026-11-03T21:04:08.966Z","2026-11-03T21:00:33.309Z",1794067736132]