How much should you have in your pension right now if you want a realistic chance of maintaining your lifestyle in retirement?
In this video, I use Irish-specific data, current State Pension figures, and the Prime Retirement Index to break down what you should have saved by 35, 45, 55, and 65 — and why many people are far further behind than they realise.
We look at how the State Pension replacement rate is falling, how Ireland’s €250 billion private pension gap affects ordinary workers, and the exact savings multiples (1x–11x salary) the Prime Retirement Index suggests at each age so you can clearly see whether you’re behind, on track, or ahead.
I also explain why delays of 5–15 years can devastate your final pension through lost compounding, what higher earners need to understand about the Standard Fund Threshold, and how rising healthcare and long-term care costs quietly turn “11x salary by 65” from a nice-to-have into a necessity.
If you’re living in Ireland and want clarity on where you stand — this video will give you the benchmarks most people never see.
00:00 How Much Should Be In Your Pension Right Now?
00:48 The Brutal Reality
01:59 The €250 Billion Time Bomb
03:27 Pension Targets By Age
05:27 A Note for High Earners
06:05 Why These Targets Are Necessary?
09:07 Start Today
Credit to : Kevin Elliott Wealth