Ok, Can you please suggest a "good" broker then? Also if any one could suggest which fund I should invest in to get the best return.
I don’t wish to be facetious, but if I knew which fund was going to give the best return, I would be posting this sipping a Margarita on the beach in the Bahamas. The “best fund” depends on a number of factors, including your attitude to investment risk and your investment term (how many years to retirement).
It’s easy to say what fund produced the best return in 2023, but that doesn’t mean it will also produce the best returns in 2024, or 2025.
If you have a reasonable number of years to go to retirement (investment term), then an all-Equity fund is probably the best (say an Indexed Fund). If however you only have a short period to retirement, then a less risky fund may be better,( just benefitting from the tax relief).
When you say you need “advice”, you don’t specify what type of advice. Is it to calculate how much you might invest in AVCs (ensuring you don’t exceed Revenue limits)? Is it to recommend an investment strategy?
Cornmarket are very familiar with Civil Service pension structures and AVCs related to same. But they charge an “advisory” fee. You could get their advice (and pay their fee) and then seek to replicate that on “an execution only” basis.
Perhaps if you posted more information:
Age
What Civil Service Scheme you are in (eg Pre 1995, Post 1995 or newer Single Public Service Scheme)
Salary
Service by retirement age
Possible level of AVCs
you might get more tailored advice.