I'm 50 years old and in that band of citizens who have been told they would be receiving their state pension at 68. I have an AVC fund which currently stands at €131,000 with and additional €7500 per year going in. This will obviously greatly inflate my occupational pension, although there's no certain way to know by how much. 100% of this AVC is in the Irish Life Exempt Consensus Fund Series S. Right now, I'm aware, shares are high because basically, there is nowhere else for money to go, deposit rates being rubbish. However, I'm wondering if I should be spreading some of this money around the other Irish Life funds and, if so, which ones? Any advice?