MyFutureFund Employer Portal Launches Today Ahead of New Retirement Savings Scheme

Employers across Cork and Ireland are being advised to register on the new MyFutureFund employer portal before the end of December, following today's launch by Minister for Social Protection Dara Calleary. The five-minute registration process prepares businesses for the automatic retirement savings scheme starting on 1st January 2026.

The portal, accessible at myfuturefund.ie, allows employers to complete their company profile and choose a payment method ahead of the scheme's January launch. Resources to help employers inform employees about their enrolment will be provided through a secure mailbox on the platform.

Minister Calleary said:

"MyFutureFund is a landmark initiative that provides employees with a secure financial future when they retire. Today I am officially launching the MyFutureFund Employer Portal. This will ensure that employers have sufficient time to complete their profiles in advance of the commencement of the scheme on 1st January.

Completing your company profile on the portal will only take around five minutes and is essential to ensure that all steps are completed in order for your company to be in compliance with the scheme."

The registration process involves three simple steps: employers log into the portal using their ROS PREM certificate, complete their company profile, set up a payment method, and then run payroll as usual.

Once registered, employers can view contributions paid and owed, receive notifications directly to their nominated contact person, contact customer support, check their contributions record and update their details.

Agents can also undertake these steps for employers using the same credentials they already use for accessing Revenue Online Services on behalf of their clients. Those who don't use payroll software can make payments directly through the portal.

The National Automatic Enrolment Retirement Savings Authority (NAERSA) will handle all administration, including enrolling employees, collecting contributions, managing investments, and processing opt-ins, opt-outs and suspensions.

MyFutureFund aims to help an estimated 750,000 workers in Ireland who don't currently have access to a work or personal pension paid through payroll. From 1st January 2026, employees who meet eligibility criteria will have access to the quality-assured retirement savings scheme.

Contribution rates will be phased in gradually over the first decade. In 2026 to 2028, employee and employer contributions will be 1.5% each, with a 0.5% State top-up. These rates will increase incrementally, reaching 6% from both employee and employer, with a 2% State contribution, from 2035 onwards.

The scheme guarantees employer matching contributions and a State top-up paid at a rate of €1 for every €3 contributed by the employee. There are only two fees: a low flat fee for administration of active savings pots and an investment management fee expected to be below 0.1% of assets under management.

All savings will be the personal property of participants, with no vesting period. Contributions belong to participants as soon as they are received by NAERSA.

For further information, visit myfuturefund.ie or contact the MyFutureFund contact centre on 01 568 9555. Employers can also write to NAERSA at MyFutureFund, TCS Drive, Letterkenny Technology Park, Letterkenny, Co. Donegal, F92 W8CY.