Regular savings
Build wealth steadily with a disciplined monthly plan, turning a manageable amount each month into a meaningful sum over time.
What it is
A regular savings plan invests a set amount each month into a diversified fund. The discipline of paying in regularly, combined with time and compounding, does the heavy lifting. Because you invest the same amount whatever the market is doing, you buy more units when prices are low and fewer when they are high, which smooths your average cost over time. This effect is known as euro-cost averaging.
Who it is for
- People building a fund for a future goal, such as education, a home or a milestone
- Anyone who can set aside a regular amount but not a large lump sum
- Parents saving towards their children’s future
- Those who want to build wealth alongside their pension
How it works
You choose a monthly amount, a risk level and a fund mix. Payments are collected automatically, and you can raise, lower or pause them as your circumstances change. The plan is reviewed periodically, and the real driver of a good outcome is staying invested for the long term. Starting early matters more than starting big, because small amounts compound over the years.
The tax
Regular savings plans held through life-assurance funds are taxed the same way as other fund investments: 38% exit tax on the gains, reduced from 41% in January 2026, with the eight-year deemed disposal rule applying to gains along the way.
What could I build up month by month?
Small amounts compound into meaningful sums given enough time, and this shows you how much of the result is your own money and how much is growth. Enter a monthly amount, the years you plan to save and a growth assumption. Try shortening the term and you will see why starting early matters more than starting big. Once you have a figure that feels sustainable, we will match the fund to your goal and keep the charges honest.
Regular savings projection
What a monthly amount could build to over time, and how much of it is growth.
Fill in the fields above and press Calculate.
Why talk to BDS
We set the amount and the fund to your goal and time horizon, keep charges low through whole-of-market comparison, and review the plan as your life changes. Client-first advice means the fund choice serves you rather than a provider.
Common questions
Whatever is sustainable for you. We model it against your goal and timeframe so the figure is realistic and you are not tempted to stop.
Yes. Regular savings plans are flexible, so you can raise, lower or pause contributions as your income changes.
Returns are not guaranteed and depend on your risk level and the markets. Regular saving over a long horizon smooths the ride and puts time on your side.
Through a life-assurance fund, gains are subject to 38% exit tax, with the eight-year deemed disposal rule.
Other ways we invest
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Important information
Tax rates, reliefs and thresholds referred to here are set by Revenue and apply to the 2026 tax year, including the exit tax reduction to 38% from January 2026. They can change in future Budgets and Finance Acts, and the right approach depends on your own circumstances. The examples are illustrations, not projections of return.
David Sheahan Insurance & Investments Ltd t/a BDS Financial is regulated by the Central Bank of Ireland. Reg. no. 115813. Offices in Limerick, Dublin and Galway.
This content is general information and is not financial advice. The value of investments can fall as well as rise.
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