Un terzo dei lavoratori nello Stato non aveva alcuna copertura pensionistica nel 2025 e la maggior parte prevede di fare affidamento sulla pensione statale
Un terzo dei lavoratori nello Stato non aveva alcuna copertura pensionistica nel 2025 e la maggior parte prevede di fare affidamento sulla pensione statale
* In Quarter 3 2025, two-thirds of workers in the State had supplementary pension cover of some form with pension coverage greatest among workers aged 45 to 54 years at 77%. It remained lowest among younger workers with one-fifth of workers aged 20 to 24 years having some form of pension coverage.
* Of workers with supplementary pension cover, seven in ten have occupational pension cover from current/previous employments, while a further one in nine have a personal pension or PRSA, while one in five have both forms of pension.
* For employees with occupational pensions from their current employment in 2025, the number with ‘defined benefit’ pensions was unchanged from 2024 at 26%, while the number of people with ‘defined contribution’ pensions was also similar to the 69% recorded in 2024.
* For those workers with no occupational pension coverage from their current employment in 2025, almost half (48%) stated that their employer does not offer a pension scheme, down from 53% in the same period in 2024.
* Of workers with no supplementary pension cover in 2025, almost half (49%) stated they never got around to organising it or would organise it at a future date, up from 43% in 2024, while 58% of those aged 55 to 69 years said affordability as the main reason (48% in 2024).
* The State Pension was cited as the expected main source of income on retirement for more than half (52%) of workers in 2025 with no pension coverage. Just over one-quarter (26%) had not yet decided how they would fund their retirement.
* Awareness of and intent to participate in the Government Auto-Enrolment Retirement Savings Scheme increased in 2025. Some 45% of employees aged between 23 and 60 who are eligible to be auto-enrolled were aware of it, up from 29% in 2024, while 74% of these employees would be willing to remain in the scheme, up from 72% in 2024.
Huzzah to the lazy 49%, may your seat always be comfortable
1reallyhatemondays on
Good luck relying on state pension in future with our population pyramid disaster in 30 years.
c_cristian on
State pension is a disaster in Ireland. Extremely small for the cost of living here. I know people earning state pensions of 1000 euros in Eastern Europe from average jobs and the cost of living is way lower. Not to mention state pensions of 2000 euros in Italy or Spain.
Excellent-Many4645 on
Anyone expecting a state pension in 30+ years to survive is going to be freezing to death in the streets and begging for scraps, your best bet is to pretend you won’t get anything and save yourself.
rustic_advice on
I have a private pension but it’s kinda understandable that workers expect to rely on State Pension. As after all people are paying taxes (like PRSI) and they expect something in return.
Imagine if you are on minimum wage job or near minimum and have to pay crazy amount of rent and also pay tax and then having to pay into pension. They are trying to save the day but also having to “plan” for the feature. Oh also ideally they might want to save money for buying a house for themselves or smth.
Afterall not everyone has high salary jobs.
TehIrishSoap on
With the way the world is now, I don’t see why people are saving for a pension… our standard of life by the 2050s is going to be dire and the living will envy the dead.
ToTooThenThan on
Good luck renting on a state pension
Dreenar18 on
And they’re only 38??
Justa_Schmuck on
That’s a hell of a headline. I wonder if the folks without a pension are able to afford putting into one?
Specific-Manager-125 on
Pre 1995 Civil and Public servants , pay 5% Pension contribution and 1% PRSI and get a defined benefit pension , often in the high noughties or even over 100k a tax free lump sum of 150% of salary plus a partners pension of 25%
The rest of us pay 4.5 % plus employers 11.5% and no lump sum and have to pay for our own pensions on top of that and get 15k a year
Super fair eh
Fit_Drive9421 on
These always go the same way. People on massive salaries sneering at those that don’t have any or much of a private pension.
Then theres the fact most just can’t afford it between housing, childcare, car price increases, ridiculous increases in frankly everything and wages not keeping up.Â
Then you’ll get the morons sneering just don’t have kids of things are that tight despite the fact we need all the kids we can get giving fertility rates.
BlueSkiesAndIceCream on
Just curious, – and I know the information is in the text – but why did they omit certain age groups from the image. Seems like it would have been easy enough to include 35 – 55 range.
5555555555558653 on
Well, that is the social ~~lie~~ contract that we keep getting sold.
Get a house, pay your taxes and you’ll be grand in your retirement as your taxes return to you.
You can half forgive people for being delusional in thinking that this will hold up, when most people can’t cover their current expenses let alone their future expenses.
Dependent-Bench-2908 on
So basically, the lower esrners spend their money on drugs so the people who work harder will have to (yet again) bail them outÂ
So just fund the State Pension properly, by making its funding increase in line with GDP/Government-Revenue, instead of artificially limiting it to Income Tax…
*Poof* the pensions crisis disappears, and people have a State Pension they can live on…
Nope. Eat arms-industry-funding private pensions instead – that _will_ suffer a demographics crisis…
RedPandaDan on
You can’t save for a pension if you don’t have a property, you need every cent for a deposit.
I only sorted mine when I got my keys, doing anything else would have been irresponsible, I wouldn’t be able to buy my house today.
18 commenti
**Key Findings**
* In Quarter 3 2025, two-thirds of workers in the State had supplementary pension cover of some form with pension coverage greatest among workers aged 45 to 54 years at 77%. It remained lowest among younger workers with one-fifth of workers aged 20 to 24 years having some form of pension coverage.
* Of workers with supplementary pension cover, seven in ten have occupational pension cover from current/previous employments, while a further one in nine have a personal pension or PRSA, while one in five have both forms of pension.
* For employees with occupational pensions from their current employment in 2025, the number with ‘defined benefit’ pensions was unchanged from 2024 at 26%, while the number of people with ‘defined contribution’ pensions was also similar to the 69% recorded in 2024.
* For those workers with no occupational pension coverage from their current employment in 2025, almost half (48%) stated that their employer does not offer a pension scheme, down from 53% in the same period in 2024.
* Of workers with no supplementary pension cover in 2025, almost half (49%) stated they never got around to organising it or would organise it at a future date, up from 43% in 2024, while 58% of those aged 55 to 69 years said affordability as the main reason (48% in 2024).
* The State Pension was cited as the expected main source of income on retirement for more than half (52%) of workers in 2025 with no pension coverage. Just over one-quarter (26%) had not yet decided how they would fund their retirement.
* Awareness of and intent to participate in the Government Auto-Enrolment Retirement Savings Scheme increased in 2025. Some 45% of employees aged between 23 and 60 who are eligible to be auto-enrolled were aware of it, up from 29% in 2024, while 74% of these employees would be willing to remain in the scheme, up from 72% in 2024.
https://www.cso.ie/en/releasesandpublications/ep/p-pens/pensioncoverage2025/keyfindings/
Huzzah to the lazy 49%, may your seat always be comfortable
Good luck relying on state pension in future with our population pyramid disaster in 30 years.
State pension is a disaster in Ireland. Extremely small for the cost of living here. I know people earning state pensions of 1000 euros in Eastern Europe from average jobs and the cost of living is way lower. Not to mention state pensions of 2000 euros in Italy or Spain.
Anyone expecting a state pension in 30+ years to survive is going to be freezing to death in the streets and begging for scraps, your best bet is to pretend you won’t get anything and save yourself.
I have a private pension but it’s kinda understandable that workers expect to rely on State Pension. As after all people are paying taxes (like PRSI) and they expect something in return.
Imagine if you are on minimum wage job or near minimum and have to pay crazy amount of rent and also pay tax and then having to pay into pension. They are trying to save the day but also having to “plan” for the feature. Oh also ideally they might want to save money for buying a house for themselves or smth.
Afterall not everyone has high salary jobs.
With the way the world is now, I don’t see why people are saving for a pension… our standard of life by the 2050s is going to be dire and the living will envy the dead.
Good luck renting on a state pension
And they’re only 38??
That’s a hell of a headline. I wonder if the folks without a pension are able to afford putting into one?
Pre 1995 Civil and Public servants , pay 5% Pension contribution and 1% PRSI and get a defined benefit pension , often in the high noughties or even over 100k a tax free lump sum of 150% of salary plus a partners pension of 25%
The rest of us pay 4.5 % plus employers 11.5% and no lump sum and have to pay for our own pensions on top of that and get 15k a year
Super fair eh
These always go the same way. People on massive salaries sneering at those that don’t have any or much of a private pension.
Then theres the fact most just can’t afford it between housing, childcare, car price increases, ridiculous increases in frankly everything and wages not keeping up.Â
Then you’ll get the morons sneering just don’t have kids of things are that tight despite the fact we need all the kids we can get giving fertility rates.
Just curious, – and I know the information is in the text – but why did they omit certain age groups from the image. Seems like it would have been easy enough to include 35 – 55 range.
Well, that is the social ~~lie~~ contract that we keep getting sold.
Get a house, pay your taxes and you’ll be grand in your retirement as your taxes return to you.
You can half forgive people for being delusional in thinking that this will hold up, when most people can’t cover their current expenses let alone their future expenses.
So basically, the lower esrners spend their money on drugs so the people who work harder will have to (yet again) bail them outÂ
https://preview.redd.it/d2zurjfnvqvg1.jpeg?width=610&format=pjpg&auto=webp&s=f18ea1ac7a8f6de889fa09921c5502602402e6f1
So just fund the State Pension properly, by making its funding increase in line with GDP/Government-Revenue, instead of artificially limiting it to Income Tax…
*Poof* the pensions crisis disappears, and people have a State Pension they can live on…
Nope. Eat arms-industry-funding private pensions instead – that _will_ suffer a demographics crisis…
You can’t save for a pension if you don’t have a property, you need every cent for a deposit.
I only sorted mine when I got my keys, doing anything else would have been irresponsible, I wouldn’t be able to buy my house today.