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About is a website designed by SmartQuotes (a trading name of PFP Financial Services Limited ) to provide information on regular saver products available in the Irish Market.

At we have recently seen a large increase in enquiries relating to regular savings.  This might be for children’s educations, saving for a rainy day fund or other purpose.  As deposit rates with the various banking institutions have been reduced significantly over the last 12 months individuals with medium term investment horizons (circa 5 years +) have started to look at alternatives.

In general the most effective way to save money over a medium term is via regular monthly contributions into an investment fund. For example for someone who invested €1,000 per month for 5 years (60 months) from Oct 2007 to Oct 2012 would have seen a return of €72,300 (amount invested €60,000 in total).  This is based on monthly invested into the Consensus Fund (multi asset fund). The equivalent return of a bank deposit assuming a rate of 2% over a 5 year period would be €63,047.

Products Provided by Hibernian Aviva & Zurich

The S&P 500 (US Equity Index) during that period went from 1549 to 1445 (a drop of nearly 7%). This demonstrates the benefits of monthly averaging over a medium period of time.

A lot of equity markets in general at all-time high’s however the example above demonstrates that a monthly regular saving amount is the most effective way of access equity type returns in the medium term.

Clients through Irish Life or Zurich can benefit from access to equity based funds, bonds funds, commodity funds and specialist funds depending on their preference.

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Warning: If you invest in this product you may lose some or all of the money you invest