{"id":6593,"date":"2026-01-02T12:26:16","date_gmt":"2026-01-02T12:26:16","guid":{"rendered":"https:\/\/www.sage.com\/en-ie\/blog\/?p=6593"},"modified":"2026-07-09T15:36:58","modified_gmt":"2026-07-09T14:36:58","slug":"auto-enrolment-and-pensions","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-ie\/blog\/auto-enrolment-and-pensions\/","title":{"rendered":"My Future Fund: What Irish employers need to know about workplace pensions"},"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\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/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: What Irish employers need to know about workplace pensions\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\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2026-01-02T12:26:16+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: What Irish employers need to know about workplace pensions\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-ie\/blog\/auto-enrolment-and-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\t<\/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\/ryangrundy\/\">\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\/2022\/10\/Ryan-Grundy.jpg\" class=\"entry-author__image\" alt=\"Ryan Grundy\" \/>\t\t\t\t<span class=\"entry-author__name\">Ryan Grundy<\/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 class=\"wp-block-paragraph\">The Irish government has announced details for the auto-enrolment pensions savings scheme, entitled <strong>My Future Fund<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s designed to encourage workers to save for their retirement and make it more straightforward for businesses to offer a workplace pension option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Currently, only around 35% of employees in the private sector have a supplementary retirement saving scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Legislation&nbsp;for the Automatic Enrolment Retirement Savings System for Ireland was <a href=\"https:\/\/data.oireachtas.ie\/ie\/oireachtas\/act\/2024\/20\/eng\/enacted\/a2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">voted in to law in 2024<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article offers an overview to small and medium-sized employers, and HR and payroll teams, on what auto-enrolment means for them and their employees, how auto-enrolment works, and how it is being phased in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It also helps businesses operate under the new legislation, which is now in effect from <strong>1 January 2026<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here&#8217;s what we cover:<\/strong><\/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-auto-enrolment\" data-level=\"2\">What is auto-enrolment?<\/a><\/li><li><a href=\"#h-how-auto-enrolment-will-work\" data-level=\"2\">How auto-enrolment will work<\/a><ul><li><a href=\"#h-eligibility\" data-level=\"3\">Eligibility<\/a><\/li><li><a href=\"#h-employer-employee-contributions\" data-level=\"3\">Employer\/employee contributions<\/a><\/li><li><a href=\"#h-opting-in-out-option\" data-level=\"3\">Opting in\/out option<\/a><\/li><li><a href=\"#h-choice-of-funds\" data-level=\"3\">Choice of funds<\/a><\/li><li><a href=\"#h-moving-jobs\" data-level=\"3\">Moving jobs<\/a><\/li><\/ul><\/li><li><a href=\"#h-when-will-the-auto-enrolment-scheme-begin\" data-level=\"2\">When will the auto-enrolment scheme begin?<\/a><\/li><li><a href=\"#h-how-businesses-can-prepare-for-the-new-legislation\" data-level=\"2\">How businesses can prepare for the new legislation<\/a><ul><li><a href=\"#h-payroll-systems\" data-level=\"3\">Payroll systems<\/a><\/li><li><a href=\"#h-employment-contracts\" data-level=\"3\">Employment contracts<\/a><\/li><li><a href=\"#h-communication-with-employees\" data-level=\"3\">Communication with employees<\/a><\/li><li><a href=\"#h-financial-management-to-cover-the-contributions\" data-level=\"3\">Financial management to cover the contributions<\/a><\/li><li><a href=\"#h-how-taxes-will-be-affected\" data-level=\"3\">How taxes will be affected<\/a><\/li><\/ul><\/li><li><a href=\"#h-final-thoughts-providing-financial-security-for-your-employees\" data-level=\"2\">Final thoughts: Providing financial security for your employees<\/a><\/li><\/ul><\/div>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\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<h2 class=\"wp-block-heading\" id=\"h-what-is-auto-enrolment\">What is auto-enrolment?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.sage.com\/en-ie\/blog\/auto-enrolment-faqs-workplace-pensions\/\" target=\"_blank\" rel=\"noreferrer noopener\">Auto-enrolment<\/a> (short for automatic enrolment) is a pension investment scheme for employees, which involve their employer matching their contributions of a set percentage of their gross income with a top-up from State funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An estimated 800,000 employees (not including the self-employed) earning more than \u20ac20,000 per annum and aged between 23 and 60, and who are not already enrolled in an occupational pension scheme, will be automatically enrolled in the new scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The accumulated funds plus investment returns will be paid to participants upon their retirement in addition to the State pension, and drawdown will be linked to the State pension age, which is currently 66 (subject to future changes).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-auto-enrolment-will-work\">How auto-enrolment will work<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">All employees\u2014current and new\u2014who fit the eligibility criteria and who are not already enrolled in a workplace pension scheme are automatically enrolled in the scheme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eligibility\">Eligibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Employees aged between 23 and 60 earning more than \u20ac20,000 per annum across all employments will be eligible to participate in the new scheme.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those earning below the income threshold or aged outside of the parameters will be able to opt in to the system if they wish.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employees who are already members of a qualifying occupational pension scheme will not be automatically enrolled for that employment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employees who are on probation, or are casual, or working on a part-time basis will be assessed by a newly created National Automatic Enrolment Retirement Savings Authority (NAERSA) to determine eligibility.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-employer-employee-contributions\">Employer\/employee contributions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Initial contributions by both employee and employer are 1.5% of gross income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This amount increases on a phased basis over 10 years, with 1.5% added every 3 years until a total of 6% is reached.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As an employer, you\u2019ll match your employees\u2019 contributions and the pension will also be topped up by the State at 33%, with employer and State contributions capped at \u20ac80,000 of earnings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s how contributions will be raised over the 10 years:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Years<\/strong><\/td><td><strong>Employee<\/strong><\/td><td><strong>Employer<\/strong><\/td><td><strong>State<\/strong><\/td><\/tr><tr><td><strong>1 to 3<\/strong><\/td><td>1.5%<\/td><td>1.5%<\/td><td>0.5%<\/td><\/tr><tr><td><strong>4 to 6<\/strong><\/td><td>3%<\/td><td>3%<\/td><td>1%<\/td><\/tr><tr><td><strong>7 to 9<\/strong><\/td><td>4.5%<\/td><td>4.5%<\/td><td>1.5%<\/td><\/tr><tr><td><strong>10+<\/strong><\/td><td>6%<\/td><td>6%<\/td><td>2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">For each \u20ac1 saved by an employee, \u20ac2.33 would be credited to their pension savings account comprising their \u20ac1 personal contribution, plus \u20ac1 from their employer, plus \u20ac0.33 from the State.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, for every \u20ac3 an employee contributes, they will receive a further \u20ac4 into their pension pot. Therefore, the total invested will be \u20ac7.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The added incentives are aimed at encouraging workers to remain in the scheme by reducing their costs of saving for retirement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Detailed examples of projected earnings for different life and work situations can be found in the&nbsp;<a href=\"https:\/\/www.gov.ie\/en\/department-of-social-protection\/publications\/launch-of-the-final-design-principles-of-an-automatic-enrolment-ae-retirement-savings-system-for-ireland\/\" target=\"_blank\" rel=\"noreferrer noopener\">Department of Social Protection document<\/a>, The Design Principles for Ireland\u2019s Automatic Enrolment Retirement Savings System.<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\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<h3 class=\"wp-block-heading\" id=\"h-opting-in-out-option\">Opting in\/out option<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All eligible employees will be automatically enrolled in the scheme.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, participation is optional and operates on an opt-out basis.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employees who have been automatically enrolled can choose to opt out or suspend their participation after 6 months.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those who opt out will be auto-enrolled after 2 years have elapsed and they can opt out again after another 6 months.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If an employee opts out, they\u2019ll receive a refund of their (employee) contributions, but employer and state contributions will remain invested in their pot.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Members will be able to pause their contributions after 6 months of saving, suspending their contributions for a maximum of 2 years.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They won\u2019t receive a refund on what they\u2019ve saved so far and can restart their saving at any time before the auto-restart.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choice-of-funds\">Choice of funds<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Employees will have a choice of 4 retirement savings funds to choose from, depending on the level of risk they prefer.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3 of these funds will have differing risk\/return profiles comprising a conservative fund, a moderate risk fund, and a higher risk fund.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fourth option\u2013a \u2018life-style\/life-cycle\u2019 investment profile\u2013will be the default fund provided if the employee doesn\u2019t express a preference.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-moving-jobs\">Moving jobs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme will be set up on a \u2018pot follows the member\u2019 basis, so an employee\u2019s pension is not linked to their employment but follows them as they move jobs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means workers will not have to join a new scheme each time they change employer and those who have more than 1 employment will have their pension savings combined into 1 pot.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Participants of the new scheme will be able to access their account via an online portal.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They\u2019ll be able to view account balances, contributions and investment returns, and update information or suspend their payments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-will-the-auto-enrolment-scheme-begin\">When will the auto-enrolment scheme begin?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Legislation and processes are now implemented, with the scheme and paid contributions in effect from 1 January 2026, following a rescheduling from the previous date of 30 September 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contributions will be gradually phased in over 10 years, with employee and employer payments beginning at a modest level of 1.5% and increasing every 3 years by 1.5% until they reach 6%.&nbsp;<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\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<h2 class=\"wp-block-heading\" id=\"h-how-businesses-can-prepare-for-the-new-legislation\">How businesses can prepare for the new legislation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The workplace pension scheme is designed to minimise the administrative burden on employers who will not need to set up and run an occupational pension scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, employers will be responsible for recording employee-related data via a simple payroll instruction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme is introduced on a phased basis, with contributions starting at a modest level in 2026 and increasing at a set rate until 2034.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses should ensure ongoing compliance with the scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need to review the following areas and plan accordingly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payroll<\/li>\n\n\n\n<li>Contracts<\/li>\n\n\n\n<li>Communication with employees<\/li>\n\n\n\n<li>Financial management.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">An employer who fails to fulfil their obligations under the scheme, including implementing a payroll instruction for enrolment, and\/or deduction or remittance of contributions as required, is subject to penalties.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payroll-systems\">Payroll systems<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consultations with providers of payroll systems and software used by employers are planned to ensure smooth and accurate integration of the new scheme with existing systems.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you already use software to process your payroll, your provider can advise on how the new scheme will affect your payroll system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-employment-contracts\">Employment contracts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In advance of the legislation coming into force, you\u2019ll need to review employment contracts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should consult your solicitor well in advance of the 2026 roll-out to ensure your employment contracts are updated to include the provision for pension contributions and any other legal details required.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-communication-with-employees\">Communication with employees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Employers are expected to inform employees about how the scheme works.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should communicate with your employees about how it works.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should provide details of the scheme and advise employees on the 4 fund options, how much they will contribute, tax implications and the benefits of the scheme, including the employer and State contribution.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employee contributions will be taken from net income, after deductions of income tax, pay related social insurance (PRSI) and universal social charge (USC).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tax relief won\u2019t apply in respect of these contributions. Instead, the State tops up the pension fund at 33% of the employee contribution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Participants in the new scheme will still be entitled to receive a \u2018benefit-in-kind\u2019 tax exemption in respect of their employer\u2019s contribution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-management-to-cover-the-contributions\">Financial management to cover the contributions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme is designed to be as simple as possible for employers to set up and implement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The new CPA will oversee the scheme and minimise administrative costs to employers with a cap of 0.5% per annum of assets proposed on management charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The new arrangements will be phased in gradually and contributions will start at a modest level and increase over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employers will be required to match members\u2019 contributions starting at 1.5% of gross income up to an eventual maximum of 6% subject to an earnings threshold of \u20ac80,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-taxes-will-be-affected\">How taxes will be affected<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Under the new scheme, tax relief on pension contributions will change for employees as explained in the \u2018Communication with employees\u2019 section above.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, employer contributions will be deductible against corporation tax in the same way contributions to existing pension schemes can be offset.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme will be overseen by the <a href=\"https:\/\/pensionsauthority.ie\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pensions Authority<\/a>, governed by a board of directors and will be held to account by the <a href=\"https:\/\/revisedacts.lawreform.ie\/eli\/2017\/act\/22\/revised\/en\/html\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Services and Pensions Ombudsman<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts-providing-financial-security-for-your-employees\">Final thoughts: Providing financial security for your employees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.gov.ie\/en\/department-of-social-protection\/campaigns\/auto-enrolment\/\" target=\"_blank\" rel=\"noreferrer noopener\">new pensions savings scheme<\/a> incentivises employees to save for retirement, and through employer and State contributions, participants see the benefits of staying in the scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the auto-enrolment scheme, pension pots move with the employee throughout their working life, providing assurance of retirement income and helping maintain a reasonable standard of living.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The scheme simplifies and streamlines the pension process, reducing the admin burden on employers and providing financial security for employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Editor&#8217;s note: This article was first published in February 2020 and has been updated for relevance.<\/em><\/p>\n\n\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\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<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ie\/blog\/tag\/hr-process\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tHR processes\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ie\/blog\/tag\/my-future-fund-autoenrolment\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tMy Future Fund (auto-enrolment)\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ie\/blog\/tag\/pensions\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tPensions\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-18383 post type-post status-publish format-standard has-post-thumbnail hentry category-people-leadership category-trends-insights tag-career-development tag-employee-retention tag-hr-process tag-hr-processes-medium-businesses tag-looking-after-your-employees tag-payroll tag-state-of-small-business business_type-small-business business_type-medium-sized-business card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"810\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-1200x810.jpeg\" class=\"card-post__image\" alt=\"A woman looks to camera with the Sage glow line in the background.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-684x384.jpeg 684w, https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-768x518.jpeg 768w, https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-1200x810.jpeg 1200w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-28T13:01:10+01:00\">28 July, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">12 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-ie\/blog\/what-is-the-organisational-skills-gap\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tWhat is the organisational skills gap and how can businesses close it?\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tDiscover how to 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Learn practical strategies for workforce planning, skills development, internal mobility, and skills-based hiring.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-18286 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-people-leadership tag-business-costs tag-business-management tag-grow-business tag-recruit tag-hr-process tag-looking-after-your-employees tag-payroll business_type-small-business 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class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-09T15:55:14+01:00\">9 July, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">8 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tMinimum wage Ireland 2026: the real impact on your margins\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-17991 post type-post status-publish format-standard has-post-thumbnail hentry category-people-leadership category-trends-insights tag-ai tag-automation tag-business-intelligence tag-hr-process tag-hr-processes-medium-businesses business_type-small-business business_type-medium-sized-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ie\/blog\/what-is-ai-in-hr\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/06\/Ai-in-HR-infographic-image-684x384.jpg\" class=\"card-post__image\" alt=\"A woman stands in front of the Sage glowline in front of a black background.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/06\/Ai-in-HR-infographic-image-684x384.jpg 684w, https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/06\/Ai-in-HR-infographic-image-768x432.jpg 768w, https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/06\/Ai-in-HR-infographic-image-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-19T16:33:22+01:00\">19 June, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is AI in HR and how can you use it responsibly?\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-7884 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters 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48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-04T12:36:54+01:00\">4 June, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tStatutory sick pay: What Irish employers need to know and do\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-17757 post type-post status-publish format-standard has-post-thumbnail hentry category-free-guides-templates category-people-leadership category-trends-insights tag-ai tag-artificial-intelligence tag-business-intelligence tag-hr-process tag-hr-processes-medium-businesses tag-leading-people tag-managing-people tag-payroll business_type-small-business business_type-medium-sized-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ie\/blog\/the-hr-and-payroll-leaders-report\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-684x384.jpeg\" class=\"card-post__image\" alt=\"A woman looks to camera with the Sage glow line in the background.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-684x384.jpeg 684w, https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-768x518.jpeg 768w, https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/03\/The-HR-Payroll-Leaders-Report-CTA-Image-1200x810.jpeg 1200w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M11.988 2.989a.75.75 0 0 0-.739.761v10.689l-1.72-1.72a.75.75 0 0 0-.957-.099.75.75 0 0 0-.315.776c.031.146.104.28.211.384l3 3a.75.75 0 0 0 1.06 0l3-3a.76.76 0 0 0 .231-.533.74.74 0 0 0-.22-.538q-.108-.106-.247-.164c-.139-.058-.191-.057-.291-.056s-.198.022-.29.061-.174.097-.243.169l-1.72 1.72V3.75a.76.76 0 0 0-.22-.541.76.76 0 0 0-.542-.22zM5.75 8.5C4.24 8.5 3 9.74 3 11.25v7C3 19.76 4.24 21 5.75 21h12.5c1.51 0 2.75-1.24 2.75-2.75v-7c0-1.51-1.24-2.75-2.75-2.75h-3a.76.76 0 0 0-.537.216.74.74 0 0 0-.223.535.76.76 0 0 0 .223.535.74.74 0 0 0 .537.216h3c.699 0 1.25.551 1.25 1.25v7a1.24 1.24 0 0 1-1.25 1.25H5.75a1.24 1.24 0 0 1-1.25-1.25v-7c0-.699.551-1.25 1.25-1.25h3a.76.76 0 0 0 .537-.216.74.74 0 0 0 .223-.535.76.76 0 0 0-.223-.535.75.75 0 0 0-.537-.216z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-03-10T10:31:20+00:00\">10 March, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">5 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tThe HR and Payroll Leaders&#8217; Report: How 1,000 professionals are adapting to change\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Discover how your business can operate under the new auto-enrolment workplace pension savings scheme, which is now in effect from 1 January 2026.<\/p>\n","protected":false},"author":1398,"featured_media":8256,"menu_order":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[163,165],"tags":[133,104,144],"business_type":[5,4],"lilypad":[],"context":[],"industry":[],"persona":[250,232],"imagine_tag":[204,212,222,230],"coauthors":[389],"class_list":["post-6593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","category-strategy-legal-operations","tag-hr-process","tag-my-future-fund-autoenrolment","tag-pensions","business_type-small-business","business_type-medium-sized-business"],"sage_meta":{"region":"en-ie","author_name":"Ryan Grundy","featured_image":"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2022\/04\/GettyImages-1138451009.jpg","imagine_tags":{"204":"HR and Payroll","212":"Mid-sized business","222":"Payroll software","230":"Small business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Ireland","distributor_original_site_url":"https:\/\/www.sage.com\/en-ie\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts\/6593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/users\/1398"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/comments?post=6593"}],"version-history":[{"count":1,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts\/6593\/revisions"}],"predecessor-version":[{"id":18277,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts\/6593\/revisions\/18277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/media\/8256"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/media?parent=6593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/categories?post=6593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/tags?post=6593"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/business_type?post=6593"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/lilypad?post=6593"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/context?post=6593"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/industry?post=6593"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/persona?post=6593"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/imagine_tag?post=6593"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/coauthors?post=6593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}