Moneybox Financial Ltd, trading as Moneycube, is regulated by the Central Bank of Ireland.
As retirement draws closer, the big question is how best to turn your pension savings into income for the years ahead. Moneycube helps you maximise your pot, access lump sums tax-efficiently, and build a retirement plan that works for you.
Maximise your pension pot
Access your tax-free lump sum
Create an income with an ARF (Approved Retirement Fund)The final years before retirement are critical for boosting your pension savings. We’ll help you make the most of them.
On retirement, you can usually take up to 25% of your pension as a tax-free lump sum. We’ll help you plan how and when to use it wisely.
If you already have a scheme, we can help you benchmark and improve it.
At retirement, it’s important to think ahead. We’ll help you safeguard income, protect dependents, and plan for passing on wealth.
When retirement is on the horizon, clarity matters. We help you understand where you stand, what choices you have, and how your income might work in practice so you can move forward feeling prepared and reassured.
We simplify complex pension rules so you clearly understand your options and can make informed decisions at a critical stage.
From tax relief to lump sums, we structure your pension to work as efficiently as possible for your retirement goals.
No two retirements are the same. We help you shape a retirement plan that reflects how and when you want to step back from work.
Our advice is impartial and transparent, with continued support as retirement begins and your needs evolve.
We review your pensions, savings, and income needs as you approach retirement.
We create a retirement plan, including lump sum drawdown, ARF setup, and tax efficiency.
We consolidate pensions, set up your ARF (or annuity), and put your plan into action.
We continue to support you with annual reviews, updates, and advice throughout retirement.
In most cases, you can begin drawing your pension from age 60 — and from 50 in certain circumstances.
Usually, you can take up to 25% of your pension pot as a lump sum. A maximum of €200,000 of that is tax-free.
An Approved Retirement Fund lets you keep your money invested and draw down an income over time, rather than cashing it all in at once.
No. Most people now use an ARF instead, as it offers more flexibility. We’ll help you decide which is right for you.
Yes. With careful planning, your pension can be structured to pass to your spouse, children, or estate in a tax-efficient way.
We’ll help you model different scenarios, so you can retire with confidence knowing your income will meet your needs.
