Savings & Investments

Secure the future of your savings and investments in unpredictable times.

We compare options from leading providers in Ireland to ensure you get the most competitive rates available.

Apply online or call us to receive a quote today and access exclusive additional discounts.

How do I start saving and investing my money?

Saving and investing money in Ireland is a prudent step toward financial stability and future growth. Whether you have a lump sum to invest or are considering regular savings, it’s important to understand the country’s legal and regulatory landscape governing financial activities.

For individuals with a lump sum, investing in diverse assets such as stocks, bonds, mutual funds, or exchange-traded funds (ETFs) can offer opportunities for growth over time. In Ireland, investors should familiarize themselves with regulations enforced by the Central Bank of Ireland (CBI), which oversees financial institutions and securities markets to ensure investor protection and market stability.

Regular savings accounts are a common option for building emergency funds or saving for short-term goals. In Ireland, savings accounts offered by banks and credit unions are regulated by the Central Bank, which sets standards to safeguard depositors’ funds and ensure fair treatment of consumers.

Furthermore, opening accounts with specific purposes, such as a children’s college fund or retirement account, can provide tax advantages and tailored investment options. For example, the Irish government offers tax-efficient savings vehicles like the Personal Retirement Savings Account (PRSA) and the Student Universal Support Ireland (SUSI) grant scheme for higher education expenses.

When considering investment options, it’s essential to conduct thorough research and seek advice from qualified financial advisors who understand the Irish regulatory framework. Additionally, staying informed about changes in tax laws, investment regulations, and consumer protections can help individuals make informed decisions about their financial future.

By adhering to Irish legislation and regulations, individuals can confidently navigate the financial landscape, make informed investment choices, and work toward achieving their long-term financial goals while complying with legal requirements.

LowQuotes.ie
4.9
Based on 1536 reviews
Conor
Conor
Low quotes were fierce helpfully in sorting out a policy, the agent I dealt with Alan was thorough and helpfully would recommend
Brian H.
Brian H.
Cormac who I dealt with was so helpful, friendly and if he didnt know the answer he went off and found out and actaully rang me back, which is very unusal from any customer swrvice in this day and age. All very effcient and everything was explained very clearly
Helena D.
Helena D.
Very helpful explained everything really well
Sarah D.
Sarah D.
Seamus is one in a million, he went way above and beyond to help us we struggled with getting mortgage protection and he put both of us at ease every time we got anxious his bubbley personality, humour and honesty made our journey a joy ,thank you again Seamus your amazing at your job 🎉🙏
Geraldine M.
Geraldine M.
Thanks Aoife for taking the time and advice of best policy to take out
J M
J M
I had the pleasure of dealing with Alan Broderick who supported me with finding the best rates for my few policies and plans and I even ended up switching. Not only was this guy professional, he was also very easy going, empathic, and just had a very good understanding of how to support me with the best advice and products for my hard earned little money. This is rare in today's world of ever rising costs! And despite my annoying phone calls and never ending questions, he still remained patient and helpful.If you're looking for an advisor who is driven and knows his stuff, then look no further. I would highly recommend this gem. Thank you Alan for all your help.Joyce M - Dublin
isobel lawlor (.
isobel lawlor (.
We found Colin to be friendly, easy to deal with and very imformative.He explained every thing clearly and made sure we went with a policy that suited our needs.Would highly recommend
Elena A.
Elena A.
As first time buyers,we choose LowQuotes for our mortgage and life insurance and we are very happy that we did ,because from the very begining until the end Aoife Morgan guide and help us to choose the best offer for us .She help us with everything and answear to our questions in a very friendly and profesional way.We highly recomend her to help you on your way.
Kelley M.
Kelley M.
I highly recommend! Rebecca was fantastic, so kind and easy to talk to. She made the process easy and explained everything to me clearly. It was easy to get in touch when needed and Rebecca was so professional with returning calls etc ! Thank you so much
Debby S.
Debby S.
Rebecca Sharpe was excellent to communicate with. She explained the purpose and process of acquiring life insurance (as part of a mortgage application) so well. She was honest and helpful in answering all my questions. She was very knowledgeable and gave a range of options so I could get the most appropriate package for my personal situation. I would highly recommend her and LowQuotes as a result. Thanks!
Carmel S.
Carmel S.
Had great help from ColinSet up my life insuranceEasy no hassleThanks again
Response from the owner: Hey Carmel,We’re delighted to hear about your positive experience with Colin. It’s great to know he made setting up your life insurance easy and hassle-free! We always aim to make the process as smooth and straightforward as possible, so your feedback means a lot to us.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Michael M.
Michael M.
Rebecca has been dealing with us over the past few days. Professional, friendly and Genuine are words that come to mind when describing the customer experience. Very helpful throughout and would recommend this company going forward due to Rebecca's help.
Response from the owner: Hey Michael,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was professional, friendly, and genuine throughout the process, and that her support made such a strong impression.We aim to make every interaction helpful and straightforward, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Stephen D.
Stephen D.
I've been dealing with Seamus who helped me. Have to say, his professionalism, patience and his knowledge was fantastic, such an easy guy to talk to. Ended up going through Seamus and id absolutely recommend him. I hope this review gets to his manager, great guy! Thanks Seamus
Response from the owner: Hey Stephen,We’re delighted to hear about your positive experience with Seamus. It’s great to know he was able to guide you through the process with such professionalism, patience, and knowledge. We’re thrilled to hear how easy he made everything for you, we’ll be sure to pass your kind words along to him!We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us. If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Shauna D
Shauna D
Had a very positive experience speaking with Rebecca Sharpe today, she was very helpful in discussing my options and made sure I understood the policy that I was getting and was very patient in answering any questions that I had. Highly recommend this service.
Response from the owner: Hey Shauna,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she took the time to explain your options clearly, ensure you fully understood your policy, and answer all your questions with patience and care.We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
John A.
John A.
Highly Recommend, Dealing with Rebecca was fantastic.
Response from the owner: Hey John,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to explain everything clearly and make the process smooth for you. We aim to make every step as straightforward and stress-free as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Aisling K.
Aisling K.
Really happy with the service I received. Shaun was extremely helpful during this process as it can be fairly confusing. He made everything a much simpler process.
Response from the owner: Hey Aisling,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to make the process clear and straightforward for you, especially when things can feel a bit confusing at first.We aim to make everything as simple and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Philip C.
Philip C.
We had the pleasure of dealing with Rebecca Sharpe who went above and beyond to accommodate us ensuring we understood all the policy benifits and calling us at a convenient time to allow us time to discuss which policy suited us best. Thanks Rebecca.
Response from the owner: Hey Philip,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she went above and beyond to ensure you fully understood all the policy benefits and took the time to accommodate your schedule.We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Agnes C.
Agnes C.
Very positive experience with low quotes. Isabel in particular is fantastic to deal with.
Response from the owner: Hey Agnes,We’re delighted to hear about your positive experience with Isabel. It’s great to know she made the process smooth and straightforward for you. We’re thrilled to hear you had such a great experience with our team!We aim to make everything as simple and understandable as possible, so your feedback means a lot to us. If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
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How is the process to Save & Invest my money?

Evaluate Your Goals

During the first part of your call, we will discuss how much you’d like to invest and your personal financial goals, whether it’s a rainy-day fund, a mortgage deposit or saving for that trip of a lifetime, to get a better understanding of your expectations and requirements.

Discovery Process

The second part of your call will be discussing your financial details and attitude towards risk, this will determine what funds are the best options to place your hard-earned money into to generate the best return on investment.

Recommend, Implement & Monitor

We will implement and invest your money, taking into consideration your risk profile, how much you’re willing to invest and your attitude towards Ethical, Sustainable and Governance values when it comes to investing your money.

Meet our Team of Expert Advisors

Would you like to speak to an advisor?

Our award winning team is always here to help you,.

Your Questions Answered

In Ireland, savings options considered safe typically include deposit accounts offered by banks and credit unions. These accounts are regulated by the Central Bank of Ireland and are covered by the Deposit Guarantee Scheme, which protects deposits up to a certain limit per depositor per institution.

Individuals in Ireland can invest in stocks and bonds through brokerage accounts or investment platforms offered by financial institutions. Additionally, there are investment funds such as mutual funds and exchange-traded funds (ETFs) that provide exposure to a diversified portfolio of stocks and bonds. It’s essential to conduct thorough research and consider factors such as risk tolerance, investment objectives, and regulatory considerations before investing.

Tax considerations play a significant role in savings and investments in Ireland. Interest earned on savings accounts is subject to Deposit Interest Retention Tax (DIRT), while investment gains from stocks, bonds, and funds may be subject to Capital Gains Tax (CGT) or Dividend Withholding Tax (DWT). Tax-efficient savings options, such as pensions (e.g., Personal Retirement Savings Accounts or PRSAs) and designated savings schemes (e.g., Special Savings Incentive Accounts or SSIA), may offer advantages in terms of tax relief or exemptions. It’s advisable to consult with a tax advisor or financial planner to understand the tax implications of different savings and investment strategies.

Choosing LowQuotes as your financial partner offers distinct advantages that stem from our commitment to tailored, client-focused service. We specialize in creating personalized financial plans that align precisely with your unique financial goals and circumstances. Our team of experienced advisors is dedicated to ensuring transparency and clarity in all our interactions, providing you with not just advice, but a comprehensive understanding of your financial options. At LowQuotes, we leverage cutting-edge technology and systems to ensure efficient and effective management of your financial portfolio, aiming to secure the best possible deals and opportunities in the market. With our proactive approach and commitment to continuous improvement and innovation, LowQuotes is ideally positioned to help you navigate the complexities of financial planning, making us a trusted and reliable partner in achieving long-term financial success.

Warning: Past performance is not a reliable guide to future performance.

Warning: Benefits may be affected by changes in currency exchange rates.

Warning: The value of your investment may go down and up.

Warning: If you invest in these funds, you may lose some or all of your investment.

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.