Saving keeps it safe
Money on deposit is protected up to €100,000 per person per institution and won't fall in value. But if prices rise faster than the interest, it buys less each year.
Lullagram · lullagram.ie/moneyFive cards, one minute. Swipe or tap the arrows.
Investing can grow more
Shares and funds can grow faster than deposits over long periods. They can also fall, sometimes a lot, and nothing is guaranteed.
Lullagram · lullagram.ie/moneyTime is the big difference
Money you need soon has less time to recover from a fall. Money you won't touch for many years can ride out the ups and downs.
Lullagram · lullagram.ie/moneyCharges matter
A charge of 1% a year sounds small, but it's taken every year from the whole pot. Over 18 years that adds up, so always ask what it costs.
Lullagram · lullagram.ie/moneyYour next step
Decide what the money is for and when you'll need it. That one answer narrows the choice more than anything else.
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Your family's money dates, in Lullagram.
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Sources, checked 27 October 2026: CCPC, Central Bank of Ireland. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.