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.

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.

Would you like to speak to an advisor?

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

Google Reviews

LowQuotes.ie
4.9
Based on 1481 reviews
Harsh S.
Harsh S.
Great support provided by Aoife during the whole process!
Karen P.
Karen P.
Rebecca was very helpful and informative and easy to deal with, she explained the whole process in detail and followed up regularly, thanks for making it easy Rebecca
SarahJane M.
SarahJane M.
We worked with Aoife, who helped us navigate setting up our Life Insurance for our new home. Aoife was amazing! Throughout the whole process she was really informative, worked around our schedules and always followed up promptly with any questions we had. She found us the right policy for us and got everything set up in record time.
Clodagh L.
Clodagh L.
Shaun was very pleasant and informative on the phone discussing healthcare plans and offering advice on the most suitable form of cover!
Response from the owner: Hey Clodagh,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to explain everything clearly and offer helpful advice on the most suitable healthcare cover for you. 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
Seamus L.
Seamus L.
Ross Kerwin was a great help to us. He laid out everything is easily relatable terms and answered all our questions . He went above and beyond to get us the best deal which we greatly appreciated. We wouldn’t hesitate for a second to recommend him and Low Quotes.
Response from the owner: Hey Seamus,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything in clear, relatable terms and go above and beyond to secure the best deal for you. 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
Adam R.
Adam R.
Rebecca was great from start to finish!
Response from the owner: Hey Adam,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to support you from start to finish and make the process smooth. 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.
Spoke to a very friendly and helpful guy, Ross Kirwan was a real gentleman and helped me with the process which was quick and pain free.
Response from the owner: Hey Stephen,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to guide you through the process and make it quick and stress-free. We aim to keep things as smooth and simple as possible, so your feedback means a lot! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Mohamed N.
Mohamed N.
Ross has been absolutely brilliant from day one. He’s super easy to chat with, explained everything in a way that made sense, and was always quick to reply to our emails. Having him guide us through the mortgage protection side of things from July to mid-August really took a lot of the stress out of the process. We felt really looked after. Thanks again, Ross!
Response from the owner: Hey Mohamed,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and make the mortgage protection process smooth and stress-free. We always aim to take the pressure off and make things easy to understand, 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
Philson T.
Philson T.
I delt with Ross. He was very helpful and supportive and easily reachable. I very much recommend him.
Response from the owner: Hey Philson,We’re delighted to hear about your positive experience with Ross. It’s great to know he was helpful, supportive, and easily reachable throughout the process. We aim to make everything as smooth and straightforward as possible, so your recommendation 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
nicole M.
nicole M.
Aoife Morgan was spectacular, such a great help and made the whole process stress free.
Response from the owner: Hey Nicole,We’re delighted to hear about your positive experience with Aoife. It’s fantastic to know she was able to make the whole process stress-free and provide such great support. We always strive to keep things simple and smooth for our clients, so your feedback means a lot to us! If you need any further assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Andrea G.
Andrea G.
We had a great experience with Rebecca. She was very kind and patient with us, always available when we contacted her and very helpful if we had any doubts
Response from the owner: Hey Andrea,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was kind, patient, and always available to help whenever you had questions. We aim to make the process as smooth and supportive as possible, so your feedback means a lot to us! If you ever need further assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Cathy M.
Cathy M.
Rebecca was an absolute pleasure to deal with. She took the time to clearly explain every detail of our policy, making sure we understood and got the coverage we truly needed. On top of that, she secured us a fantastic deal on our life insurance, significantly better than what we had with our previous provider. Knowledgeable, patient, and genuinely helpful,Rebecca made the whole process stress free.
Response from the owner: Hey Cathy,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she took the time to explain everything clearly and helped you secure such a fantastic deal on your life insurance. We always aim to make the process stress free and ensure our clients feel confident with their coverage, so your feedback means a lot to us! If you need anything further down the road, don’t hesitate to get in touch.Best Regards,LowQuotes Team
Chloe M.
Chloe M.
Dylan was an absolute pleasure to deal with. Every step was explained perfectly and Dylan was patient in allowing me to ask questions on anything I was unsure of. I would highly recommend, and I already have, several times! Thank you so much again.
Response from the owner: Hey Chloe,We’re delighted to hear about your positive experience with Dylan. It’s great to know he explained everything clearly and took the time to answer all your questions with patience. We really appreciate your recommendations – word of mouth is so valuable to us! If you need any further support in the future, we’re always here to help.Best Regards,LowQuotes Team
Niamh M.
Niamh M.
Ross Kirwan was extremely helpful guiding me in the right direction with life insurance. He was very knowledgeable with the information he provided and also very patient with explanations. He made the whole process swift and stress free. Thank you
Response from the owner: Hey Niamh,We’re delighted to hear about your positive experience with Ross. It’s great to know he guided you so well through the life insurance process and made everything clear, smooth, and stress free. Your feedback means a lot to us, and we’re so glad Ross could support you in finding the right cover. If you need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Samuel I.
Samuel I.
Cormac Logue has been immensely helpful for us in securing a policy. He is professional and knowledgeable. Thank you Cormac.
Response from the owner: Hey Samuel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to guide you with professionalism and knowledge while securing your policy. We aim to make the process as smooth and supportive as possible, so your kind words mean a lot. If you have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Ashley F.
Ashley F.
I had the pleasure of speaking with Rebecca,what a gorgeous person she was.She went above and beyond of explaining everything to me about my life insurance policy and I was very happy with her.she is an asset to you company.Thank you Rebecca 😊
Response from the owner: Hey Ashley,We’re delighted to hear about your positive experience with Rebecca. It’s wonderful to know she went above and beyond in explaining everything about your life insurance policy and made the process so reassuring for you. She’s indeed a valued member of our team, and we’ll be sure to pass on your kind words. If you ever need anything in the future, don’t hesitate to get in touch.Best Regards,LowQuotes Team
Conor M.
Conor M.
Rebecca was excellent to deal with. She gave really good advice, was very kind and patient with us, responded quickly and clearly to all of our queries, and made the process as smooth as I could have hoped.
Response from the owner: Hey Conor,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she provided clear advice, was patient, and made the whole process smooth and straightforward for you. We’re proud to have her on our team, and we’ll be sure to share your kind words with her. If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Andreea G.
Andreea G.
From the first call Bernadine has been an absolute please to talk to. Such a warm and knowledgeable person.I've started doing the mortgage process by myself and i got a bit lost in the process but Bernadine has put me back on the right path and even though she hasn't been my broker she has been my angel. Her words and information have put my mind at ease and gave me the confidence to keep going and stay calm and wait for the bank to come through.I am and i will always recommend Bernadine to everyone that plans to buy a house. She will definitely go beyond to help you and she will be there for you every step of the way.
Response from the owner: Hey Andreea,We’re so delighted to read your kind words about Bernadine. It’s wonderful to hear how she was able to guide you, ease your worries, and give you the confidence to continue through the mortgage process. Even when the journey feels overwhelming, our goal is always to make it clearer and more reassuring, and Bernadine truly shines at that. Thank you for your recommendation, it really means a lot!Best Regards,LowQuotes Team
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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.