A concise, compelling summary for this blog: Regular Saver Investment Plans help you grow your savings with higher potential returns than traditional accounts. Enjoy full flexibility, personalised financial strategies, and inflation-beating results by investing a set amount monthly. Discover how these flexible plans allow you to reach your financial goals faster while maintaining control over your money.
REGULAR SAVER INVESTMENT PLANS
Turn everyday savings into long-term gains.
Benefits Summary
- Potential for higher returns than bank or credit union savings
- Choose investment plans to match your risk level
- Avoid your money being eroded by inflation by not investing it and leaving it sit in your Bank/Credit Union
- Stop, pause, or increase contributions anytime
- Save any amount, collect at any time
- Full flexibility for withdrawals
- Wide range of plans tailored to your goals
- Personalised strategies from expert financial advisors
- Monthly investing helps smooth out market highs and lows
Why Start a Regular Saver Investment Plan?
Because your money deserves more than sitting idle in an account that earns little to no interest.
Whether you’re aiming for:
- A new car
- A dream holiday
- A deposit on your first home
A Regular Saver Investment Plan can help you reach your goal faster while giving your savings the potential to grow.
You might also like our post on Maximise Your Savings & Investments: Why Regular Saver Investment Plans In Ireland Offer Better Growth Than Banks.
By investing regularly — even in small amounts — you allow your money to benefit from long-term growth and investment performance, without sacrificing control or flexibility.
Who Can Apply?
- Residents of Ireland
- 18 years and older (under 18s require legal guardian consent)
- Maximum maturity age: 75 years
- Policy terms available: 5, 10, 15, or 20 years
The Smarter Way to Save
With a super-flexible, high-return, and low-risk Regular Saver Investment Plan, you can:
- Save monthly over the medium to long term
- Seek higher returns than typical bank accounts
- Stay in full control of your money
Why It Works
Making consistent contributions helps your money grow steadily over time. Even small amounts, invested regularly, can grow into a significant sum — and your plan remains under your control every step of the way.
Inflationary Risk of Not Investing Your Savings
Inflation is the increase in the price of everyday goods and services — the rising cost of living over time. A typical €100 today will not buy the same amount in the future. If your savings aren’t invested and earning at least a net 2% return, inflation is quietly reducing their value. By investing your savings, you create a strategy to maintain or even enhance the purchasing power of your hard-earned money. The danger? Not investing allows inflation to erode your savings gradually — a hidden risk that often goes unnoticed until it’s too late.
Ready to take control of your financial future? Book a consultation with our expert advisors today.
Savings Versus Investing – What’s the Difference?
While saving in any form is wise, investing those savings over the long term can be an even more powerful financial decision. When you invest regularly into a Regular Saver Investment Plan, you allow your contributions — and any returns they generate — to compound over time. This compounding can create a snowball effect, significantly increasing the value of your savings in the long run.
Curious about growing your savings efficiently? Enquire now to learn more about our Regular Saver Investment Plans.
Choosing a Provider
Before starting a Regular Saver Investment Plan, it’s essential to compare all available providers in Ireland so you can make the most informed decision and choose the one that best suits your needs. As a fully Central Bank-regulated multi-agency financial brokerage, we only recommend providers who are also fully regulated by the Central Bank of Ireland — giving you extra protection and peace of mind.
Recommended: Investment Advisor Financial Advice In Ireland.
Regular Saver Investment Plans in Ireland are typically provided through Life Assurance Companies.
The most common and trusted providers include:
- Zurich Life
- Irish Life
- Aviva
- New Ireland Assurance
- Royal London
- Standard Life
Key Areas of Comparison
To help you make the best choice, we compare all providers in the following areas:
You might also like our post on How To Use A Section 73 Savings Plan In Ireland To Avoid Inheritance Tax.
Fees & Charges
- Allocation rates
- Annual management charges
- Policy fees
- Any hidden costs
Investment Fund Options
- Range of choices
- Long-term track records (5–10 years)
Flexibility
Access to funds
Withdrawal terms
Potential penalties
Customer Service
- Ease of accessing policy information
- User-friendliness of online portals
- Responsiveness to queries
Once you’ve chosen your provider, we’ll guide you through every step — from completing paperwork to activating your plan — so you can start saving and investing with confidence.
If you would like assistance in starting a Regular Saver Investment Plan or comparing providers to find the one that best suits your needs, please schedule a call with one of our highly qualified financial advisors.
Confused about which investment plan suits you? Book a consultation now and let us guide you to the best option.
ENQUIRE NOW TO LEARN MORE!
Want higher returns on your money? Enquire now and discover the benefits of investing with us.
Learn More About Regular Saver Investment Plans
FAQs
1. What is a Regular Saver Investment Plan?
A Regular Saver Investment Plan allows you to save money monthly and invest it in various funds, earning potential returns over time.
2. Who can apply for a Regular Saver Investment Plan?
Residents of Ireland aged 18 and over can apply. Policy terms are typically available for 5, 10, 15, or 20 years.
3. What are the benefits of regular investing?
Regular investing helps smooth out market highs and lows, allowing your money to grow steadily over time.
Recommended: Pensions Plan Ireland: Discover The 3 A’S To Successful Savings.
4. How do I choose the right investment plan?
Consider factors like fees, investment options, flexibility, and customer service. Compare providers to find the best fit for your needs.
5. Can I access my savings before maturity?
Yes, many plans offer flexibility for withdrawals, though terms and penalties may vary depending on the provider.
CONCLUSION
In conclusion, regular saver investment plans offer a practical and accessible way for individuals to build wealth over time. By committing to consistent, manageable contributions, you can take advantage of compound interest and potentially achieve your financial goals. These plans are particularly beneficial for those looking to establish a disciplined savings habit while enjoying the flexibility to adapt their investment strategy as circumstances change.
Furthermore, the variety of investment options available allows investors to tailor their approach based on their risk tolerance and financial objectives. Whether you are saving for a specific goal or simply aiming to grow your nest egg, these plans provide a structured pathway toward financial security. As always, it is crucial to stay informed and review your investment choices regularly to maximise returns and minimise risks.
To make the most of your journey toward financial security with a Regular Saver Investment Plan, stay committed to regular contributions and be mindful of your investment choices. Monitoring your progress and seeking expert advice when necessary can help ensure that you achieve your savings objectives. Partnering with knowledgeable advisors like Money Maximising Advisors can provide valuable insights tailored specifically to your needs. Contact us today to embark on this path together and secure your financial future.
