{"id":15303,"date":"2026-01-02T12:27:26","date_gmt":"2026-01-02T12:27:26","guid":{"rendered":"https:\/\/www.sage.com\/en-ie\/blog\/?p=15303"},"modified":"2026-01-02T12:27:28","modified_gmt":"2026-01-02T12:27:28","slug":"auto-enrolment-faqs-workplace-pensions","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-ie\/blog\/auto-enrolment-faqs-workplace-pensions\/","title":{"rendered":"My Future Fund FAQs: Answers to questions on workplace pensions in Ireland"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ie\/blog\/category\/strategy-legal-operations\/\" class=\"entry-header__link\">Strategy, Legal &amp; Operations<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tMy Future Fund FAQs: Answers to questions on workplace pensions in Ireland\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-01-02T12:27:26+00:00\">2 January, 2026<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"My Future Fund FAQs: Answers to questions on workplace pensions in Ireland\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-ie\/blog\/auto-enrolment-faqs-workplace-pensions\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-ie\/blog\/author\/roisinkilleen\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2019\/10\/Roisin-Killeen.jpg\" class=\"entry-author__image\" alt=\"Roisin Killeen\" \/>\t\t\t\t<span class=\"entry-author__name\">R\u00f3is\u00edn Killeen<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\n\n<p>My Future Fund pension auto-enrolment scheme is now in effect in Ireland.<\/p>\n\n\n\n<p>In this article, we answer a series of frequently asked questions on the scheme and discuss its implications for employers and employees.<\/p>\n\n\n\n<p>We highlight how auto-enrolment works, how it&#8217;ll be funded, costs for you to be aware of, and what happens if your business has a workplace pension in place already.<\/p>\n\n\n\n<p>Here&#8217;s what we cover:<\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-what-is-the-auto-enrolment-scheme\" data-level=\"2\">What is the auto-enrolment scheme?<\/a><\/li><li><a href=\"#h-why-is-it-being-introduced\" data-level=\"2\">Why is it being introduced?<\/a><\/li><li><a href=\"#h-when-does-the-scheme-begin\" data-level=\"2\">When does the scheme begin?<\/a><\/li><li><a href=\"#h-how-does-the-scheme-work\" data-level=\"2\">How does the scheme work?<\/a><\/li><li><a href=\"#h-is-it-a-legal-requirement\" data-level=\"2\">Is it a legal requirement?<\/a><\/li><li><a href=\"#h-how-is-the-scheme-funded\" data-level=\"2\">How is the scheme funded?<\/a><\/li><li><a href=\"#h-who-will-be-overseeing-the-scheme\" data-level=\"2\">Who will be overseeing the scheme?<\/a><\/li><li><a href=\"#h-where-will-the-contributions-be-invested\" data-level=\"2\">Where will the contributions be invested?<\/a><\/li><li><a href=\"#h-how-does-an-auto-enrolment-pension-compare-to-a-private-pension\" data-level=\"2\">How does an auto-enrolment pension compare to a private pension?<\/a><\/li><li><a href=\"#h-what-happens-if-an-employee-moves-job\" data-level=\"2\">What happens if an employee moves job?<\/a><\/li><li><a href=\"#h-what-if-an-employee-has-more-than-one-job\" data-level=\"2\">What if an employee has more than one job?<\/a><\/li><li><a href=\"#h-what-do-employers-need-to-do-to-facilitate-the-scheme\" data-level=\"2\">What do employers need to do to facilitate the scheme?<\/a><\/li><li><a href=\"#h-will-there-be-extra-costs-for-employers\" data-level=\"2\">Will there be extra costs for employers?<\/a><\/li><li><a href=\"#h-what-happens-if-there-is-already-a-workplace-pension-in-place\" data-level=\"2\">What happens if there is already a workplace pension in place?<\/a><\/li><li><a href=\"#h-final-thoughts\" data-level=\"2\">Final thoughts<\/a><\/li><\/ul><\/div>\n\n\n\n<div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t>Download your free auto-enrolment FAQs e-book and get the answers you need to support your business and employees under the new legislation<\/a>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-auto-enrolment-scheme\">What is the auto-enrolment scheme?<\/h2>\n\n\n\n<p>Under the scheme, employees who do not have a private pension, earn more than \u20ac20,000 per year, and are aged between 23 and 60, will automatically be enrolled into the pension scheme.<\/p>\n\n\n\n<p>It will apply to almost 800,000 employees who are employed but not in an occupational pension scheme, or other type of private pension such as a PRSA (Personal Retirement Savings Account).<\/p>\n\n\n\n<p>For the moment, the self-employed are not included in the scheme, but this may be considered in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-it-being-introduced\">Why is it being introduced?<\/h2>\n\n\n\n<p>There are two main reasons why the government is introducing the <a href=\"https:\/\/www.sage.com\/en-ie\/blog\/auto-enrolment-and-pensions\/\">auto-enrolment scheme<\/a>.<\/p>\n\n\n\n<p>Firstly, the scheme will supplement the state pension, which is currently about \u20ac277 a week. <\/p>\n\n\n\n<p>For a person relying solely on the state pension when they retire, this can mean a significant drop in income, and the auto-enrolment pension should help close the gap.<\/p>\n\n\n\n<p>As it stands today, there are a significant number of workers who will only have the state pension to get by on. <\/p>\n\n\n\n<p>Figures from the <a href=\"https:\/\/www.cso.ie\/en\/releasesandpublications\/ep\/p-pens\/pensioncoverage2023\/overallpensioncoverage\/\" rel=\"noopener noreferrer\">Central Statistics Office<\/a> say a third of workers in 2023, that are aged between 20 and 69, had no private pension.<\/p>\n\n\n\n<p>Secondly, there is a loudly ticking pension time bomb.<\/p>\n\n\n\n<p>People are living longer and the population is ageing, which means pensioners will make up a higher proportion of the population in the coming years. <\/p>\n\n\n\n<p>This will put enormous pressure on the exchequer and the auto-enrolment pension is one way of alleviating the pressure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-does-the-scheme-begin\">When does the scheme begin?<\/h2>\n\n\n\n<p>The auto-enrolment scheme is now in effect as of <strong>1 January 2026.<\/strong><\/p>\n\n\n\n<p>Employers and employees should ensure they understand their obligations and entitlements under the legislation.<\/p>\n\n\n\n<p>Ongoing communication and awareness are important to support eligible employees.<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t>Download your free auto-enrolment FAQs e-book and get the answers you need to support your business and employees under the new legislation<\/a>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-the-scheme-work\">How does the scheme work?<\/h2>\n\n\n\n<p>Any employee between the age of 23 and 60, and who is earning over \u20ac20,000 a year, will automatically be enrolled into the pension scheme when they start a new job, unless they have their own pension or access to an occupational pension.<\/p>\n\n\n\n<p>People under 23 and earning less than \u20ac20,000 can choose to opt in, if they want to.<\/p>\n\n\n\n<p>An employee will be able to opt out or suspend contributions after 6 months.&nbsp;<\/p>\n\n\n\n<p>However, the employee will be re-enrolled again after 2 years. Once re-enrolled, the employee can opt out again after another 6 months.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-a-legal-requirement\">Is it a legal requirement?<\/h2>\n\n\n\n<p>Auto-enrolment is a legal requirement. <\/p>\n\n\n\n<p>Employers who do not fulfil their obligations are subject to penalties and possible prosecution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-the-scheme-funded\">How is the scheme funded?<\/h2>\n\n\n\n<p>The scheme is funded by the employee, the employer, and the government, with contributions increasing on a sliding scale over a 10-year period.<\/p>\n\n\n\n<p>In the first year, the employee and employer each pay 1.5% of the employee\u2019s annual gross salary.<br>This gradually increases to 6% by year 10.<\/p>\n\n\n\n<p>The government contribution starts at 0.5% in year one and rises to 2% by year 10.<\/p>\n\n\n\n<p>In essence, this means that after a decade, 14% of an employee&#8217;s gross salary will go towards their pension.<\/p>\n\n\n\n<p>Both the employer&#8217;s and government&#8217;s contributions will be capped at \u20ac80,000 gross annual salary. <\/p>\n\n\n\n<p>However, if the employee earns over \u20ac80,000, they can still contribute, but the employer or the government will not match contributions for any income over \u20ac80,000.<\/p>\n\n\n\n<p>As yet, there is no possibility of the employee making additional contributions. <\/p>\n\n\n\n<p>This is usually an option with private pensions, as long as the additional contributions are within Revenue&#8217;s limits in terms of tax relief.<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t>Download your free auto-enrolment FAQs e-book and get the answers you need to support your business and employees under the new legislation<\/a>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-will-be-overseeing-the-scheme\">Who will be overseeing the scheme?<\/h2>\n\n\n\n<p>A National Automatic Enrolment Retirement Savings Authority (NAERSA) will be established to oversee the running of the scheme and it will be supervised by the <a href=\"https:\/\/pensionsauthority.ie\/\">Pensions Authority<\/a>.<\/p>\n\n\n\n<p>Also, as with other pensions, the <a href=\"https:\/\/www.fspo.ie\/\">Financial Services and Pensions Ombudsman<\/a> will handle any complaints.<\/p>\n\n\n\n<p>In addition, there will be 4 commercial investment companies appointed to invest the contributions and once the legislation is passed, there will be an open tender to select these institutional investors.&nbsp;<\/p>\n\n\n\n<p>In a <a href=\"https:\/\/www.gov.ie\/en\/press-release\/ab617-historic-automatic-enrolment-legislation-passed-by-dail\/%22%20\/l%20%22:~:text=The%20Automatic%20Enrolment%20Retirement%20Savings,members%20of%20a%20pension%20scheme\" target=\"_blank\" rel=\"noreferrer noopener\">recent press release<\/a>, the government confirmed that \u201cTata Consultancy Services (TCS), a leading global IT services, consulting, and business solutions organisation, has been selected as the preferred bidder to provide this administration as a managed service.\u201d&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-will-the-contributions-be-invested\">Where will the contributions be invested?<\/h2>\n\n\n\n<p>The scheme will be run on the same lines as other private pensions, with the contributions being invested by institutional investors, as stated above.<\/p>\n\n\n\n<p>In terms of contributions, an employee can either opt for a default fund or choose from a choice of funds, which will have varying risk profiles from high, to medium, to low.<\/p>\n\n\n\n<p>For the default fund, the risk will decrease as the employee gets older.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-an-auto-enrolment-pension-compare-to-a-private-pension\">How does an auto-enrolment pension compare to a private pension?<\/h2>\n\n\n\n<p>The structure is different.<\/p>\n\n\n\n<p>An employee with a private pension receives tax relief. The rate of tax relief is set at the highest rate of income tax the employee pays.<\/p>\n\n\n\n<p>So, that means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For a single person earning over \u20ac42,000, the tax relief is 40%<\/li>\n\n\n\n<li>For a single person earning \u20ac42,000 or less, the relief is 20%.<\/li>\n<\/ul>\n\n\n\n<p>Under the auto-enrolment scheme, there is no tax relief, but the government tops up the contribution by 33%.<\/p>\n\n\n\n<p>This means if a single person earns \u20ac42,000 or less, and thus pays only 20% tax, the auto-enrolment pension will be more beneficial.<\/p>\n\n\n\n<p>But for the most part, a private pension will be more beneficial.<\/p>\n\n\n\n<p>For instance, in a private pension, although there are limits to the amount of pension contributions an employee can get tax relief on in any one year, it is significantly more generous than the auto-enrolment pension.<\/p>\n\n\n\n<p>For private pensions, the maximum percentage of tax relief an employee can get on their income depends on their age, which is 15% for employees under 30 years, and climbs up to 40% for employees over 60 years.<\/p>\n\n\n\n<p>Also, the maximum amount of gross income taken into account to calculate the percentage is \u20ac115,000.<\/p>\n\n\n\n<p>Therefore, considering factors such as tax relief and also age-related tax relief, auto-enrolment will only be more beneficial than a private pension when the employee&#8217;s income is low.<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t>Download your free auto-enrolment FAQs e-book and get the answers you need to support your business and employees under the new legislation<\/a>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-an-employee-moves-job\">What happens if an employee moves job?<\/h2>\n\n\n\n<p>The scheme is designed on a &#8220;pot follows member&#8221; basis, meaning the retirement savings pot will follow the employee to their next job.<\/p>\n\n\n\n<p>This will happen automatically and will be managed through the new governing authority, NAERSA.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-if-an-employee-has-more-than-one-job\">What if an employee has more than one job?<\/h2>\n\n\n\n<p>If an employee has more than one job, their gross pay from all their jobs will be considered for the eligibility assessment of the scheme.<\/p>\n\n\n\n<p>If it is over \u20ac20,000, the employee will be enrolled in respect of any jobs where they do not make pension contributions through payroll.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-employers-need-to-do-to-facilitate-the-scheme\">What do employers need to do to facilitate the scheme?<\/h2>\n\n\n\n<p>Employers must ensure their <a href=\"https:\/\/www.sage.com\/en-ie\/sage-business-cloud\/payroll\/\" target=\"_blank\" rel=\"noreferrer noopener\">payroll<\/a>, finance, and <a href=\"https:\/\/www.sage.com\/en-ie\/sage-business-cloud\/hr\/\" target=\"_blank\" rel=\"noreferrer noopener\">HR<\/a> systems comply with the auto-enrolment requirements.<\/p>\n\n\n\n<p>Guidance is available from the Irish government and relevant authorities.<\/p>\n\n\n\n<p>Employers should keep eligible employees informed about their rights and responsibilities under the scheme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-will-there-be-extra-costs-for-employers\">Will there be extra costs for employers?<\/h2>\n\n\n\n<p>As an employer, you are obliged to participate in the scheme if any of your employees do not have a pension, and there are associated costs.<\/p>\n\n\n\n<p>These costs are in addition to other employment-related expenses, such as <a href=\"https:\/\/www.sage.com\/en-ie\/blog\/payroll-changes-irish-employers-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">increased minimum wages <\/a>and <a href=\"https:\/\/www.sage.com\/en-ie\/blog\/statutory-sick-pay-irish-employers-need-to-know\/\" target=\"_blank\" rel=\"noreferrer noopener\">statutory sick pay<\/a>.<\/p>\n\n\n\n<p>In terms of the scheme, you should look at your current payroll and make an estimate of the cost.<\/p>\n\n\n\n<p>However, you will be able to claim corporation tax relief on the employer contribution.<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t>Download your free auto-enrolment FAQs e-book and get the answers you need to support your business and employees under the new legislation<\/a>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-there-is-already-a-workplace-pension-in-place\">What happens if there is already a workplace pension in place?<\/h2>\n\n\n\n<p>An existing pension scheme will run in parallel to auto-enrolment.<\/p>\n\n\n\n<p>Any employees that have a record via payroll of either employee contributions and\/or employer contributions will not be enrolled in the scheme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\">Final thoughts<\/h2>\n\n\n\n<p>Overall, auto-enrolment is a positive move, and is designed to get lower-income employees to start contributing to a pension.<\/p>\n\n\n\n<p>Based on international experience, it works. And once employees are automatically enrolled in a pension, they generally do not opt out.<\/p>\n\n\n\n<p>Daragh Cassidy is head of communications at comparison and switching website <a href=\"http:\/\/bonkers.ie\/\" rel=\"noopener noreferrer\">bonkers.ie<\/a>. <\/p>\n\n\n\n<p>He says: &#8220;The new auto-enrolment scheme is aimed at workers in lower-paid jobs, particularly in the retail and hospitality sectors, where until now pension coverage has been lacking or non-existent.<\/p>\n\n\n\n<p>&#8220;These are the people who will benefit the most.<\/p>\n\n\n\n<p>&#8220;However, auto-enrolment will also hopefully lead to an increased focus on the importance of pension planning among all workers, which can only be a good thing.&#8221;<\/p>\n\n\n\n<p>That being said, it will really only be suitable for lower-income employees and with the contributions currently so low, it will still not be enough to ensure a comfortable retirement.<\/p>\n\n\n\n<p>For higher-paid employees, a private pension that offers generous tax relief and also often more flexibility will still be the better option.<\/p>\n\n\n\n<p>For you, as an employer, if a significant number of your staff don&#8217;t have a pension, it will mean a sizeable increase in costs.<\/p>\n\n\n\n<p>However, as Daragh points out, the government has provided a decade-long phase-in period for employers to fully implement the measure. <\/p>\n\n\n\n<p>Targeted support for particularly impacted businesses may still be needed.<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">My Future Fund FAQs<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Get the answers you need to prepare your business for My Future Fund automatic enrolment and support your employees.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-22188825-cba1-4680-a1df-b868eb6694d1\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download your free e-book<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2024\/05\/IT-hero-image-2-1215x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2024\/05\/IT-hero-image-2-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Join 1.5 million subscribers and get the best business admin strategies and tactics, as well as actionable advice to help your company thrive, in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-53abbdcc-410c-4c8c-bf97-ca5c6982eebd\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe now<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"999\" height=\"666\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2021\/04\/z.5E3A0481_All-Uses.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2021\/04\/z.5E3A0481_All-Uses.jpg 999w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Discover the answers to all your questions in relation to the pension auto-enrolment scheme and how it will affect employers and employees.<\/p>\n","protected":false},"author":912,"featured_media":8233,"menu_order":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"footnotes":""},"categories":[165],"tags":[107,133,336,104,142,144],"business_type":[5,4,2],"lilypad":[],"context":[],"industry":[],"persona":[176,211,250,232],"imagine_tag":[177,204,327,212,222,230,328],"coauthors":[386],"class_list":["post-15303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy-legal-operations","tag-business-finances","tag-hr-process","tag-hr-processes-medium-businesses","tag-my-future-fund-autoenrolment","tag-payroll","tag-pensions","business_type-small-business","business_type-medium-sized-business","business_type-accountants"],"sage_meta":{"region":"en-ie","author_name":"R\u00f3is\u00edn 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