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 1356 reviews
OON 1.
OON 1.
I had the pleasure of Dealing with Neil and what a gentleman he is and so patient with all my questions. He didn’t make me feel like I was annoying although I probably was ! 🙈 his knowledge and advice was much appreciated and will definitely be recommending to family and friends. 🌻
colin R.
colin R.
We can't thank Tiernan enough he has gone above and beyond for us. He made the process so quick and easy for us even through the most stressful parts. He is very quick with communication and if there are any issues or problems he is fixing it immediately. So glad to have worked with him and have passed his details to many colleagues at work.
Bilal A.
Bilal A.
Aoife Morgan thank you for all the special service you give. It's nice to know that you care, I got a better price and better service for my insurance needs, I enjoyed dealing with you on my insurance.
susan T.
susan T.
Rachel Fennin was very nice, and very helpful in helping me choose my plan ...overall excellent customer service 👏
Sinead O B.
Sinead O B.
Shaun was extremely good at going through my options and helping me pick a plan that suits my family. I will definitely be reassuring my other policies with LowQuotes
Dean M.
Dean M.
Sinead and I recently got our mortgage through Lowquotes.ie, and to say we are grateful is an understatement. Bernadine was just amazing from start to finish and left no stone unturned. She was with us every step of the way and made sure we were well-informed, helping us with all the paperwork that was needed and guiding us in the right direction whenever necessary. It was a pleasure dealing with Bernadine and Lowquotes, a company that is the best in the business. Thank you.I would recommend using Lowquotes.ie for your mortgage or any insurance queries.
Response from the owner: Hey Dean,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to guide you and Sinead through the entire mortgage process and provide the support you needed every step of the way. We aim to make everything as smooth and stress-free as possible, so your kind words truly mean a lot!If you ever need assistance with anything else – from mortgages to protection or insurance – we’re just a message away.Best Regards,LowQuotes Team
Rabiat M.
Rabiat M.
Bernadine turned what once felt impossible into a beautiful reality. Her expertise, dedication, and passion for her work truly set her apart. It’s clear she genuinely loves what she does, and it reflects in every step she took with us. Thanks to her unwavering support and professionalism, we now have a place we can proudly call home. She didn’t just help us find a house, she helped us begin a new chapter.
Response from the owner: Hey Rabiat,We’re delighted to hear about your wonderful experience with Bernadine. It’s amazing to know that her dedication and support helped turn things around and made the journey to your new home such a positive one. We’re so glad she could be part of this important chapter in your life. Your kind words mean a lot to us! If you ever need anything else in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Megan C.
Megan C.
Highly recommend Low Quotes Conor and Courtney could not have been more helpful in supporting myself and my partner to get life insurance for our mortgage. They went above and beyond to get it over the line in a very timely manner to ensure we could close on our original date!!
Response from the owner: Hey Megan,We’re delighted to hear about your positive experience with Conor and Courtney. It’s great to know they were able to support you and your partner through the life insurance process and go above and beyond to ensure everything was sorted in time for your mortgage closing. We aim to make the journey as smooth 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.
Kallamm M.
Kallamm M.
I could not recommend Ross enough for the help and professionalism he demonstrated when helping my partner and I get life cover. He explained each step in great detail and was really easy to get on with. Ross was able to suit any calls into my schedule which was a big help.
Response from the owner: Hey Kallamm,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and work around your schedule to help you and your partner secure life cover. 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.
Patrick V.
Patrick V.
Couldn’t recommend Niamh enough, she was beyond helpful in my first home purchase. Couldn’t have done it without her help. Communication was spot on and everything was done quickly with great clarity.
Response from the owner: Hey Patrick,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was able to support you through your first home purchase and make everything clear and stress-free. 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
Steve O
Steve O
Policy options very clearly explained.I was going with a different company until our call.Great serviceThank you Shaun
Response from the owner: Hey Steve,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to clearly explain the policy options and help you feel confident in choosing us. 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
Lisa M.
Lisa M.
Ross really took his time to accommodated my busy schedule while getting me the best deal possible. It was really appreciated.
Response from the owner: Hey Lisa,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to accommodate your busy schedule and 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
Mohmmed D.
Mohmmed D.
Excellent service specially Cormac has been amazing, highly recommended.
Response from the owner: Hey Mohmmed,We’re delighted to hear about your positive experience with Cormac. It’s great to know he’s been amazing throughout the process and that you’d highly recommend our service. We aim to make everything as smooth and clear as possible, so your feedback truly 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
Laura W.
Laura W.
I cannot recommend Low Quotes highly enough. In particular Niamh. Niamh was with me from start to finish on my mortgage/insurance journey and the service I received from Niamh was simply exceptional. Her dedication, support and professionalism shown to me throughout my journey was just amazing. Niamh took the time to understand my needs and getting me the best deals on the market and for that I will be forever grateful. Her knowledge and expertise of the industry is fantastic. Niamh is an amazing asset to Low Quotes.
Response from the owner: Hey Laura,We’re absolutely delighted to hear about your experience with Niamh! It’s fantastic to know she was able to support you throughout your mortgage and insurance journey and provide such a high level of care and professionalism.Niamh is indeed a huge asset to our team, and we’ll make sure your kind words are passed on to her. We’re so glad she could help you secure the best deals and make the process smooth and stress-free.If you ever need anything else or have questions down the line, we’re only a message away. Thanks again for the glowing recommendation!Best regards,LowQuotes Team
Vignesh C.
Vignesh C.
Friendly customer service and would recommend for sure.
Response from the owner: Hey Vignesh,Thanks a million for the great review! We’re delighted to hear you had a positive experience with our customer service. We always aim to make things as smooth and friendly as possible, so your recommendation means a lot to us. If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Andrew L.
Andrew L.
I dealt with a very professional and informative person Shaneen any questions that needed answering were answered and explained in a very detailed and also simple way ! Between the first phone call I felt that Shaneen was there to help me out with ever need and the best policy availableThank you once again ShaneenHighly recommended 10/10
Response from the owner: Hey Andrew,We’re delighted to hear about your positive experience with Shaneen! It’s great to know she was able to answer all your questions clearly and guide you toward the best policy. We’re all about making things as straightforward and helpful as possible, so your kind words mean a lot.If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Brendan D.
Brendan D.
Amazing service from Tiernan at LowQuotes. He made the process of getting a mortgage so much easier and was helpful the entire way.The LowQuotes portal is easy to use and user friendly, which made document organisation much easier.
Response from the owner: Hey Brendan,We’re delighted to hear about your positive experience with Tiernan! It’s great to know he was able to make the mortgage process easier for you and provide helpful support throughout.We’re also glad you found the LowQuotes portal user-friendly—it’s designed to keep things simple and stress-free, so your feedback means a lot to us! If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Craig D.
Craig D.
Ross Kirwan was great help. Flexible for my hectic schedule. Thank you.
Response from the owner: Hey Craig,We’re delighted to hear about your positive experience with Ross Kirwan! It’s great to know he was able to work around your hectic schedule and provide the support you needed.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jacques P.
Jacques P.
Fast speedy review online and a few good options provided a good all round service
Response from the owner: Hey Jacques,We’re delighted to hear you had a great experience with our online process! Providing fast and efficient service with a range of good options is exactly what we aim for.If you ever need any further assistance, don’t hesitate to reach out.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.