ADVERTORIAL The financial topic that grows with you From your twenties to your sixties and beyond, few financial decisions shape your future more than your pension M ake Every Decade Count, the initiative launched this year by Goodbody and THE GLOSS, encourages women to think about their financial lives in tenyear chapters rather than through a single long-term goal. Each decade brings different priorities, opportunities and challenges. Yet one financial asset has the potential to support every chapter of life: your pension. Pensions are not simply about retirement. They are about building financial resilience for whatever the next decade brings. WHEN LIFE DOESNT GO TO PLAN Financial planning is often portrayed as a straight line. In reality, life is anything but predictable. Certain events can bring your pension sharply into focus and have a significant impact on your long-term financial position. Redundancy is one example. While statutory redundancy payments are tax-free, if you receive more than the statutory amount, this may be taxable. Revenue also links the taxation of redundancy payments and pension lump sums, creating complexities around the exemptions available. Terminal illness is another situation where pension planning can have a profound impact. Few people realise that trustees may be able to pay out an entire pension fund at a preferential tax rate where life expectancy is less than 18 months. There may also be steps that can improve outcomes for beneficiaries. Divorce can also reshape a persons financial future. After the family home, a pension is often the most valuable asset involved in a settlement. However, pensions legislation has evolved significantly and can create unexpected tax consequences when benefits are divided between spouses. These situations are reminders that pensions are not simply retirement products. They are a cornerstone of broader financial planning, and the decisions made during significant life events can have lasting implications for your future financial security. Seeking specialist advice can help ensure important considerations are not overlooked. This is often when pension assets start to feel more meaningful. Now is the time to review pension arrangements from previous employers and consider consolidating them into your own name through a personal pension structure such as a Personal Retirement Savings Account (PRSA). You should also review the death benefits attached to your employment contract and ensure your trustees know who you would like to benefit from those assets by completing an Expression of Wishes form through your employer. PENSION THINKING THROUGH THE DECADES IN YOUR FIFTIES Perhaps the greatest advantage of decade thinking is that it makes long-term planning feel more achievable. Rather than asking, Will I have enough for retirement?, it encourages a more practical question: What should I be focusing on in this chapter of my life? Retirement starts to feel less theoretical and more tangible. Turning fifty brings an often-overlooked advantage: it becomes possible to access legacy pension pots from previous employments without having to stop working. At the same time, financial commitments can begin to ease, creating more flexibility to save. IN YOUR TWENTIES The priority is awareness. Since the introduction of My Future Fund, all employers must offer you access to a pension and contribute towards it. However, not all arrangements operate in the same way. Some employers may offer an occupational pension scheme instead of auto-enrolment and these often include vesting periods, typically two years, before employer contributions become yours. Many people unknowingly lose valuable pension benefits by changing jobs before that point. Under My Future Fund, employer contributions belong to you from day one. IN YOUR THIRTIES For many people, this is the decade of competing financial priorities. Mortgages, childcare and everyday expenses can make pension contributions feel difficult to prioritise. Yet this stage often coincides with career progression and salary growth. Even small decisions, such as directing 20% of all future pay rises towards your pension, can create meaningful long-term benefits. It is money you do not yet have and therefore are unlikely to miss. This is a marketing communication. Goodbody Stockbrokers UC, trading as Goodbody, is regulated by the Central Bank of Ireland and Goodbody Stockbrokers UC is authorised and regulated in the United Kingdom by the Financial Conduct Authority. Goodbody is a member of Euronext Dublin and the London Stock Exchange. Goodbody is a wholly owned subsidiary of Allied Irish Banks, p.l.c. IN YOUR FORTIES IN YOUR SIXTIES By now, pensions feature in almost every financial conversation. The decisions ahead can have a profound impact on your future wealth. At this stage, professional advice can be invaluable. LOOKING AHEAD, ONE DECADE AT A TIME The most powerful lesson from Make Every Decade Count is that financial confidence does not come from having all the answers. It comes from engaging with the right questions at the right time. Pension planning is a perfect example. It evolves as your life evolves. What matters at 25 is different from what matters at 45 or 65. Decade thinking is not about predicting the future. It is about preparing for it. Because when viewed over ten-year chapters, pension planning becomes less about retirement and more about creating flexibility, security and freedom throughout your life. And that is something worth investing in at every age. To find out more about this topic, visit www.goodbody.ie THE IRISH TIMES OCTOBER 2026 20 years of thE GLOSS d e l l e e w B Je M www.th egloss.ie e d o h n r l r i e m o o st o tr s a e e r u CONTENTS the gloss E D I TO R JE NNIFE R STE V E NS D EP UT Y ED ITOR S Í O MHA CO NNO LLY MASHA MEL STYLE E D I TO R AISLINN CO FFE Y B EAUT Y ED ITOR SARAH HALLIW E LL CO N T R I B U TI N G E D I TO R PE NNY MC CO RMICK A R T D IR EC TOR PATRICIA C MAR INHO D IGITA L ED ITOR RACHE L HE AL THE FIRST WORD The Edit restaurants, books, trends, culture ROGER VIVIER AW27 PHOTOGRAPHED BY FRANCESCO BRIGIDA This Month Tim Walker: Fairyland Annie Mac at Guinness Jazz Onóra, Capel Street Animals at the Abbey Theatre T For music lovers, Annie Mac returns to Cork this his month we are TREND o The Trend Spot S 2 Cheers to dirty martini greens By Aislinn Coffey 3 4 1 tep foot into any cocktail establishment in the city and youll see that the dirty martini is having a moment. 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Available at our Experience Centre, Liffey Valley, Dublin and premium partners nationwide. ALEXIS KIRSCHBAUM BOOKS Writers Block with Louise Kennedy Louise Kennedy grew up a few miles from Belfast. She is the author of the acclaimed short story collection, The End of the World Is a Cul de Sac, which won the John McGahern Prize. Her debut novel Trespasses (2022) won numerous prizes and w ADVERTORIAL The financial topic that grows with you From your twenties to your sixties and beyond, few financial decisions shape your future more than your pension M ake Every Decade Count, the initiative launched this year by Goodbody and THE GLOSS, encourages women to think about their financia Blue polo-neck top, €19.95, at Zara. Blue Montserrat leather opera gloves, €475, at Paula Rowan, Westbury Mall, Dublin 2. 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Purple merino wool high neck top, €49, at Cos, as before. 18ct rose gold Play Of Light diamond and multi-gem pendant necklace; matching Play Of Light diamond and multi-gem pendant earrings; both at Boodles, 71 Grafton Street, Dubl ACCESSORIES Fope 18ct gold three-row diamond earrings, €6,420, at Keanes, as before. Alexis Bittar 14ct gold-plated Solanales crystal earrings, €299, at Loulerie, 14b Chatham Street, Dublin 2. Boodles 18ct gold Play of Light earrings, at 71 Grafton Street, Dublin 2. be jewelled Ryan Thomas FASHION 2 Menswear Notes T Octobers wish list By Aislinn Coffey STYLE CV 2 3 1 4 5 11 10 6 7 46 October 2026 3 4 he best leather jackets are timeless classics that never go out of style, and youre never too young or old to wear one. Every man should have a smartlooking version in his & bo ur RAN P arts la TY 5 AR AR W YE SOCIAL LIFE THEN e n NOW & Little has changed in Ireland over the last two decades, not our obsession with property, not the traffic and certainly not climate lethargy, writes Trevor White In July 2006, then Taoiseach Bertie Ahern said the boom times are getting even more boomer. At the time, Gr Experience the freedom of a cord-free lifestyle with our extensive range of cordless wall and table lights. Visit us at: Unit 1, The View, Carrickmines Manor, Dublin 18, D18 C6V4 info@hedgeroe.com hedgeroe.com 01-294 8932 20 YEARS THE GLOSS ANNIVERSARY Celebrating THE Twenty years is a significant milestone for any media brand, but particularly for one that has navigated seismic changes in publishing, technology and culture while remaining true to its original vision. As we celebrate THE GLOSS turning 20 this mon THE GLOSS ANNIVERSARY GLOSS G made IN MANHATTAN Shooting our big fashion stories in New York has always set THE GLOSS apart. Stylist Luis Rodriguez and his team are an incredible addition to our magazine family. He has loved working on THE GLOSS as much as we have: Over the many years, I forget e THE GLOSS ANNIVERSARY Beauty editor Sarah Halliwell with Kate Moss, Trinny Woodall and Charlotte Tilbury. famous FACES This Glossy Life featured interviews with fashions most prominent names. THE GLOSS has been the fi first rst choice for many fashion and beauty exclusive interviews. Beauty edi THE GLOSS ANNIVERSARY the GLOSS EVENTS THE GLOSS Gala Our guest speakers at THE GLOSS Gala (which features the longest catwalk in Ireland) have been wide-ranging, eclectic and always fascinating. Standouts amongst many include Gina Miller, Richard E Grant, Trinny Woodall and Anya Hindmarch. Inve TRAVEL window shopping A journey through some of the worlds most beautiful shops By Paula Flynn KARIMA MARUAN M y love affair with shops began in my teenage years and, through my work and travels, has taken me around the world in search of enchanting and inspiring shops. When I started The Shop TRAVEL Ulla Johnson, Los Angeles, CA, USA Gertrude Street Market, Victoria, Australia Ulla Johnson designs ethereal, bohemian clothing, drawing on diverse cultural influences with an emphasis on craftsmanship and intricate details. She has developed a loyal following around the world for her sign FOOD Recipe Notes Slowing things down for autumn By Kitty Coles E very autumn I have a small cooking identity crisis. I am, undoubtedly, a summer cook. Give me a pile of tomatoes with something grilled and I know exactly what Im doing. But the shift in weather always makes me think Im supposed to WINE Wine Notes The women who have marked the wine world By Julie Dupouy O ver the past 20 years and more, women have transformed the world of wine. They have challenged traditions, redefined wine education, opened doors for future generations and changed how we think, talk and write about wine. IN CONVERSATION Interview with a Man Fashion designer Roland Mouret By Sarah Caden VIANNEY LE CAER F ashion designer ROLAND MOURET, is celebrated for his ability to drape curves and for his iconic, body-sculpting Galaxy dress. Having stepped down from his eponymous label in 2025, he has moved i IN CONVERSATION My biggest strength is knowing nothing. Youve lived in both England and France, where do you consider home? England. French people outside of France are like the olive in the dirty martini. We are the best. In our own country, we become a bit average. Your most physically attractiv TRAVEL HAUTE HOLIDAYS Less crowds, cooler weather and better value now is the best time to book these alluring autumn getaways By Penny McCormick 2 For Design Lovers 1 COPENHAGEN 4 1. Nyhavns waterfront promenade. 2. Hotel Sanders; www.hotelsanders.com. 3. 14ct gold organically shaped bangle, TRAVEL For Healthy Hedonists 2 MARBELLA The allure of Marbella is guaranteed to lift the spirits as the season of mists sets in. Near perfect temperatures, leisurely days spent snoozing by the pool, or browsing the picturesque old town, punctuated by an ice-cold Tinto de verano and plates of And TRAVEL For Bucolic Bliss 1 BRUTON, SOMERSET Small yet quietly magnetic, Bruton has become known for its serious food, art and style credentials. Internationally renowned contemporary art gallery Hauser & Wirth has given Bruton much of its cultural clout with its interesting exhibitions and sculp TRAVEL Travel Notes Indulgent stays in the Lake District By Penny McCormick D ining in Langdale Chase, a seductive Victorian manor with impeccable taste, is cinematic. Floor-to-ceiling windows offer views over its gorgeous terraced gardens, designed by acclaimed landscape architect Thomas Mawson. ONE LAST THING The List TO READ: Table Energy: Entertaining with Italian Spirit, JJ Martin, Vendome Press. JJ Martin, the founder of luxury lifestyle brand La DoubleJ, opens her little black book T he independent fashion boutique I always make time for ... I adore the new Communité store in Ist Polestar 4 SUV Is it a car? Is it a statement? WLTP Polestar 4 SUV: 19.0-21.6 kWh/100 km and CO2: 0 g/km. Preliminary figures. Subject to final certification. Yes.