If you’ve worked in more than one job, chances are you have pension pots in different places. Combining them can give you clearer oversight, stronger growth potential and a simpler path to retirement. Moneycube makes consolidation straightforward, transparent and tailored to your circumstances.
Combining your pensions with Moneycube begins with understanding what you already have. We help you make sense of old workplace pensions, explain how each one works and assess whether consolidation could give you more control. Our process is designed to make things clear and manageable.
You’ll see your options in plain language, from keeping pensions where they are to bringing them together into a single modern plan. If consolidation makes sense, we guide the transfer process, keep you updated and ensure your pension is invested in a long-term, diversified strategy.
Share whatever details you have and we can start to make sense of your pension situation. We can help track down missing information and identify all the pensions connected to your employment history.
We review the charges, performance, flexibility and benefits of each pension. You’ll receive a comparison showing how your existing pots stack up and whether combining them could improve visibility, efficiency or long-term value.
If consolidation looks worthwhile, we recommend the most suitable pension arrangement for your circumstances. If keeping pots separate is the better choice, we’ll tell you that too. Our guidance is always based on what serves your long-term goals.
If you choose to consolidate, we handle the transfer process, keep you informed of timelines and ensure your pension is invested securely in a globally diversified portfolio. You stay in control with clear updates as each step progresses.
Use our interactive calculators to visualise your financial future —Plan your pension, project investment growth, and set savings goals.
Expected return: 6% per year
After 10 years
Total contributed
€0
Projected growth
€0
Investment period
10 years
These projections are estimates only and are not guaranteed. Actual returns will depend on market performance and other factors. Please speak to a financial advisor for personalised advice.
Use our interactive calculators to visualise your financial future —Plan your pension, project investment growth, and set savings goals.
Projected pension pot
€0
Tax relief (40%)
€0
Your net cost
€0
These projections are estimates only and are not guaranteed. Actual returns will depend on market performance and other factors. Please speak to a financial advisor for personalised advice.
Moneycube makes it easy to place your savings in diversified, professionally managed investment funds, through online systems, expert advice, and access to over 10,000 funds.
A portfolio run by professional investment managers, invested globally to spread risk and increase the opportunity for returns.
A Qualified Financial Advisor helps you understand your options and decide what’s right for you.
We’ll regularly review your pension to ensure it aligns with your life and goals.
Moneycube is authorised and supervised by the Central Bank of Ireland. Transfers are handled securely through regulated processes, and your combined pension is held in your name with reputable custodians. Your future savings are managed by established providers in the Irish market, and global asset managers.
Multiple pension pots can make it difficult to see how you’re progressing. Consolidation can bring everything into one place, giving you a single, easy-to-understand view of your future savings. You can track contributions, monitor growth and plan more effectively.
Older pensions may carry higher charges, limited investment choices or outdated structures. Bringing pots together can give you access to modern, diversified funds with more transparent pricing and greater long-term potential. We help you compare your existing arrangements so you can make a confident decision.
Once combined, your pensions are in a single mplace where you can check performance, adjust contributions and update details at any time. It’s simple, secure and designed to fit alongside a modern working life.
We walk you through each step – from locating old pensions to understanding transfer timelines. If consolidation isn’t the right move, we’ll explain why. Our advice is based on what strengthens your long-term retirement plan, not on moving every pension by default.
Moneycube’s consolidation service is designed for anyone who wants a clearer view of their retirement savings. It’s especially useful for:
If you’re also ready to start a new pension or improve an existing one, our Starting a Pension and Investment services can help you build a complete long-term plan.
You can begin with a short online process. We’ll gather the details, compare your pensions and help you decide the best route forward. If you prefer a conversation first, our advisers are here to help.
Life assurance gives your family financial support if you’re no longer there to provide it. Moneycube helps you choose the right cover with clear guidance, trusted insurers and a plan tailored to your circumstances. You get straightforward explanations, flexible options and reassurance that your loved ones are protected.
A strong financial plan gives you clarity, direction and confidence about your future. Moneycube helps you understand where you stand today and build a plan that supports your goals – from buying a home to planning for retirement to growing your long-term wealth. You get clear guidance, practical steps and ongoing support.
Starting a pension is one of the most powerful steps you can take to build long-term financial security. Moneycube makes it simple to begin, understand your options and choose a pension that grows with you over time. You get clear guidance, flexible contributions and a plan that suits your working life.
Investing with Moneycube gives your savings a stronger, more purposeful direction. We help you move beyond low-interest accounts and into globally diversified portfolios built for long-term growth. You get straightforward guidance, ongoing support and the flexibility to invest in a way that suits your life.
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Warning:
Past performance is not a reliable guide to future performance. The value of your investments can go down as well as up and you may lose some or all of the money you invest. Investments denominated in a currency other than your base currency may be affected by changes in currency exchange rates.
Moneycube for
Moneybox Financial Ltd, trading as Moneycube, is regulated by the Central Bank of Ireland. Registered in Ireland, company registration number 572680. Registered office: 68 Harcourt Street, Dublin 2.
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