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 1113 reviews
Svc C
Svc C
Aideen Graham, really helpful in getting our insurance. Very kind and full of knowledge about it, highly recommended to all!!Thanks
Jenod 7.
Jenod 7.
I spoke with Colin Bailey who was extremely pleasant and helpful from start to finish on getting my mortgage protection policy renewed. Colin was a gentleman and gave excellent advise throughout the process. Would highly recommend. 5 stars.
Louise G.
Louise G.
We spoke with Richard about our mortgage protection. He was very helpful and made the process clear & simple. Very happy with the service.
Gareth D.
Gareth D.
Myself and my partner just spoke to Richard Westman for mortgage protection he was absolutely brilliant to deal with and talked us through the process so effortlessly! It was so quick and easy
Ian D.
Ian D.
Low Quotes were a great help and partner on my journey of getting a mortgage in Ireland. As a non-Irish citizen, Bernadine was great in answering questions and talking me through the process here in Ireland. Even answering questions and offering advice in general on purchasing a property in Ireland. I highly recommend them to help you on your mortgage journey.
bernie C.
bernie C.
We recently dealt with Richard Westman for our mortgage insurance.LowQuuotes should be honored to have such a fantastic staff member. He made the whole process so easy. He was so professional and friendly a delight to deal with. I would recommend anyone to deal with Richard or LowQuotes 10 out of 10.
edel F.
edel F.
Great service, Shane is extremely helpful and knowledgeable and ade the process of switching so easy
Katie M.
Katie M.
Seamus was really helpful, professional and we couldn't recommend him enough. Great service.
Claire H.
Claire H.
I was chatting to Shaun today about health insurance, he was very helpful. He brought down my monthly payments significantly and also helped with my house insurance. Delighted with the outcome. Shaun is great at his job.
Nicole M.
Nicole M.
Richard was very helpful and explained everything to me in detail to provide us with the most suitable cover for us.
Rebecca C.
Rebecca C.
Niamh was amazing to work with. She made it so simple for me. I was so panicked about the whole thing and she made it seem like a walk in the park. She got everything done so quickly and I honestly couldn’t thank her enough. Looking forward to working with her again in the future for whenever I need.
Conrad E.
Conrad E.
Very delighted to have obtaiend my life and mortage protection insurance through lowquotes. Process effeciently handled all over the phone. Kudos to Alison Fitzpatrick for the great support with this process.
yvonne R.
yvonne R.
It has been a very good experience made sure to get me best quote and that I was happy and understand everything he said
neil N.
neil N.
Shaun was a true gent, explained the policy options in layman’s terms. Was not pushy at all. I was really happy with the service and have decided to take the policy out with him because of his professional manner on the phone. Would highly recommend.RegardsNeil
Andrius K.
Andrius K.
5 stars..Very professional and really helpful.. got exactly what I asked for. Thank you
Aoife S.
Aoife S.
Richard was a pleasure to deal with at all times. Extremely professional and efficient and we are very happy with our experience with lowquotes.ie.
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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.

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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.