How to top-up your pension
Built on experience
Proven investment track record**.
Expertise in pension scheme governance.
Focus on providing employee engagement solutions.
Awarded Best in Life and Pensions 2023 by Chambers Ireland.
Expert governance
If you are a member of a company scheme, you can reach out directly to your HR representatives with regards to topping up.
Employee engagement
Retirement can be a complex concept for many employees, and we recognise that different employees need different levels of support, so our approach is tailored to work for everyone.
Investment expertise matters
Today in Ireland, with a majority of DC company pension scheme assets invested in multi-asset funds, having your company pension with Zurich's award winning^ active investment managers is a good decision.
With the Zurich Master Trust, all members of new schemes are automatically enrolled in Personalised GuidePath (PGP), our award-winning investment strategy for company pensions^. PGP is built on the Prisma multi-asset funds a fund range suited for DC company pensions.
The Zurich Master Trust has a concise range of eight carefully selected investment funds that will meet a wide range of member investment needs. We have a range of investment funds available should they be needed and we offer lots of information and support for members who want to learn more about investment risk and fund options.
This chart assumes an investment growth rate of 4.6% per annum based on the Prisma 4 fund. This rate is for illustration purposes only and is not guaranteed. Actual investment growth will depend on the performance of the underlying investments and may be more or less than illustrated. A normal retirement age of 66 has been assumed for the 45 year old example customer. The figures for the Projected Values are based on: a) the Gross Investment Returns stated. The assumed Gross Investment Returns are not forecasts because, the value of units may grow at a faster or slower rate than assumed and the value of units may be expected to fall from time to time as well as rise; and b) an annual management charge of 1%.
Performance counts
Over the past 10 years, our most popular multi-asset fund, Prisma 4 has grown to €4.3 billion assets under management (Source: Zurich, August 2024). It has delivered 7.2% average returns each year, compared to the market average of 5.6% per year*.
Prisma 3 Fund has 3.8% annualised returns over 7 years, compared to a market average of 2.7%. Prisma 4 Fund has 7.1% annualised returns over 7 years, compared to a market average of 5.4%. Prisma 5 Fund has 10.3% annualised returns over 7 years, compared to a market average of 7.6%. The constituents of the Market Average are multi-asset funds available from Life Company peers in the Irish market (Irish Life Assurance Company, Standard Life Assurance Company, New Ireland, Aviva), which target a similar level of volatility to Prisma 4. Where a provider has multiple fund ranges we use the most prominent, and where risk targeting methodologies differ we seek to use the most comparable fund. All unit price information is sourced from Fund Focus Performance figures and based on close of markets prices 31/04/2025, based on best available information. Annual management fees apply. Returns are based on offer to offer performance and do not represent the return achieved by individual policies linked to the funds..
