Andrew’s Pension Growth with GSB Ireland

Taking Control of Retirement Savings

In May 2023, Andrew decided to take a more active role in managing his pension. At the time, his pension with a different provider was valued at €543,700. While his funds were invested in actively managed strategies, he wanted to explore whether a more cost-effective and efficient approach could enhance his returns. Seeking expert guidance, he turned to GSB Ireland.

With GSB’s pension planning expertise, Andrew transitioned to index funds, which directly track market performance rather than attempting to outperform it. This switch significantly reduced investment costs while maintaining full diversification. Importantly, the transition was made without increasing his investment risk—his portfolio retained the same mix of bonds, equities, and cash as before, ensuring a consistent risk profile.

Maximising Returns Without Increasing Risk

By February 2025, Andrew’s pension had grown to €642,600. Had he remained with his original provider, his pension would have reached only €617,643—a difference of nearly €25,000, despite taking on no additional risk. This additional growth was achieved simply by optimising his investment strategy, to match, and not try to beat markets.

Andrew’s case highlights the power of cost-effective, transparent investing. By reducing unnecessary fees and embracing a straightforward strategy, he secured stronger returns without unnecessary complexity or added risk. With GSB Ireland’s guidance, he is now on track for a more financially secure future.