information,not advice.

PensionIQ is an information and research tool. It is not regulated financial advice and is not authorised by the Central Bank of Ireland. Speak to a qualified financial adviser before making pension decisions.

Nothing on PensionIQ — fund lists, comparisons, "best" flags, projections, the calculator, portfolio estimates or AI Suggestions — is a recommendation to buy, sell, switch or hold any pension or fund. It does not take account of your full financial circumstances, objectives or attitude to risk.

Fund returns come from publicly published provider data and may be delayed, incomplete or wrong. Check figures against your provider's documents and your statements.

Returns are shown as average yearly figures over 1, 3 and 5 years. Charges are often not published in our source; where we assume a typical charge we say so. Your provider's documents and your statements are always the authority.

• Portfolio values between statements are estimates: your statement value moved day by day with market indices that broadly match what each fund invests in (for example global shares or euro bonds), less charges. They are not your fund's actual unit price and can differ from it, especially for actively managed or multi-asset funds. Index prices are delayed, end-of-day figures from public market data.
• Projections assume each fund keeps growing at its 5-year average (or shorter history), less charges, with contributions unchanged. Real returns will differ, and can be negative.
• "Today's money" figures assume 2% a year inflation.
• Tax relief figures follow Revenue's published age-related limits and earnings cap and can change. Your own position depends on your circumstances; check with Revenue or an adviser.

AI answers are generated automatically and can be wrong, incomplete or out of date. Check every fund and figure on its PensionIQ page and with the provider before relying on it. Don't enter personal details in your messages.

You must be 16 or over to create an account. Keep your password safe. You're responsible for the accuracy of what you enter. You can delete your account at any time from Settings — see the privacy policy.

PensionIQ is provided free, "as is". We work to keep it accurate and available but don't guarantee either. To the extent the law allows, we aren't liable for any loss arising from decisions made using it. Nothing here limits any right you have as a consumer that can't be limited by law.

These terms are governed by the laws of Ireland.