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Welcome to our EFW Connect Community

Your go-to destination for a holistic approach to financial well-being. Whether you’re looking to enhance your budgeting skills, invest wisely, or plan for the future, our community is designed to provide the support and knowledge you need. Take advantage of our one-on-one guidance calls to address your individual questions and concerns, ensuring a personalised experience on your path to financial success. Join us on this transformative journey towards a more secure and prosperous future.

Here are some more useful links to help answer some of your questions

Helpful links

Contribution Statement Information

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Personal Tax Credits, Reliefs & Exemptions

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Pension Transfer Within Public Sector

Click here

Information on your Rights & Entitlements

Click here

Financial Jargon Buster

 

For More Financial Jargon Explainers

Click here
Income protection (or permanent health insurance)
Insurance that pays you a monthly income if you’re unable to work due to illness or injury. It will pay you up until you are able to return to work, or retirement, whichever is the sooner.
Advisory service
A stockbroker will discuss your investment aims and objectives and then recommend a range of investments that they feel would best suit your needs. Most stockbrokers will charge a fee for their advisory services.
Financial adviser
A regulated financial adviser is someone who is authorised by the Central Bank to give advice to individual members of the public. Advisers can either be ‘tied’ and only able to advise on products of their employer or they can be ‘independent’ and able to advise on a range of providers and products. It is important when selecting an adviser that you understand how they are being paid for the advice that is being given to you and what impact any commission being paid will have on your pension or investments. You can use the Central Bank’s registers site to get a list of authorised advisers.
Occupational pension scheme
A pension scheme set up by an employer to provide retirement benefits for employees. This term is used interchangeably with ‘Company Pension Scheme.’ It is also known as an ‘Employer Pension Plan’.
Additional voluntary contributions (AVCs)
AVCs are extra contributions you pay in addition to the normal pension contributions you or your employer make (if you are a member of an employer pension plan). AVCs help to increase the value of your pension fund or can be used to contribute to a tax-free lump sum at retirement. If you are earning an income, you can claim tax relief on AVCs up to certain limits.
Death-in-service benefit
If your occupational pension plan has death-in-service benefit, the benefit is the amount paid out to your dependants if you die while you are still employed.

Here are some helpful links:

Your Superannuation

Established civil servants

Handbooks

Click here

More information on Public Service Pensions

Click here

Post 2013:

Single Public Service Pension Scheme

Click here

Single Public Service Pension Scheme - Estimator Tool

Click here

More information on Single Public Service Pension Scheme

Click here

Modellers for Established Civil Servants

Established Civil Servants recruited before 6th April 1995
Established Civil Servants recruited on or after 6th April 1995
Established Civil Servants 'New Entrants' from 1st April 2004

Public Service Agreement 2024-2026

A Summary of Pay Adjustments as outlined in the Agreement

The following pay adjustments will apply over the lifetime of this agreement:
2024

  • A general round increase in annualised basic salary for all public servants of 2.25%
    or €1,125, whichever is greater, on 1 January 2024.
  • A general round increase in annualised basic salary for all public servants of 1%
    on 1 June 2024.
  • A general round increase in annualised basic salary for all public servants of 1% or
    €500, whichever is greater, on 1 October 2024.

2025

  • A general round increase in annualised basic salary for all public servants of 2% or
    €1,000, whichever is greater, on 1 March 2025.
  • A general round increase in annualised basic salary for all public servants of 1%
    on 1 August 2025.

2026

  • A general round increase in annualised basic salary for all public servants of 1% or
    €500, whichever is greater, on 1 February 2026.
  • A general round increase in annualised basic salary for all public servants of 1%
    on 1 June 2026.

For full details of the Public Service Agreement 2024-2026

https://www.gov.ie/pdf/?file=https://assets.gov.ie/281869/83d6e1fd-0d09-47f9-bfab-80845b01d71f.pdf#page=null

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