The Anton Savage Show Ask the Expert: Finance with Robert Whelan
Aug 23, 2025
Robert Whelan, Managing Director at Rockwell Financial, offers invaluable insights into managing pensions and investments. He dives into the complexities of transferring UK pensions to Ireland, emphasizing consultation with financial advisors. Whelan also discusses the new auto-enrollment pension scheme in Ireland, stressing the importance of employer support. Furthermore, he explores investment choices, highlighting the significance of diversification and the current Irish housing market, while addressing listener questions about pensions and property investments.
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How ARFs Keep Your Pension Invested
- Do consider an ARF after retirement if you want your remaining pension pot invested and available to supplement income.
- Take the tax-free lump sum and invest the balance carefully because it remains taxable when drawn down.
Get Professional Help For UK→Ireland Pensions
- Do engage a financial advisor to transfer a UK pension to Ireland; it's complex and governed by QROPS rules.
- Use insurers like Zurich or Standard Life in Ireland to receive UK pension transfers under the correct legislation.
Retirement Needs Depend On Context
- Retirement needs vary hugely with lifestyle and other assets, so there is no single pot-size answer.
- Age, other savings and spending patterns determine how much risk you should take with a lump sum like €50k.