A
ATJG
Guest
Age: 27
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: 34k
Annual gross income spouse: n/a
Type of employment: Employee
Expenditure pattern: In general are you spending more than you earn? No
Are you saving? Yes I have €100 going into my regular savings account every month and I have been putting €500 into the credit union monthly.
Rough estimate of value of home: None
Mortgage on home: None
Mortgage provider: None
Type of mortgage: None
Interest rate: None
Other borrowings: €1500 remaining on Credit Union Loan paying €185 monthly.
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card? None
Savings and investments: €10000 in Credit Union and €3500 in my regular savings account online with AIB.
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: None
Life insurance: None
What specific question do you have or what issues are of concern to you? The first thing I will do is pay off the Credit Union Loan using the savings I have with them. That will allow an extra €185 per month I can save. Should I move the bulk of my Credit Union savings to a lump sum deposit? maybe the deposit 7 account online with AIB?
One other thing is, I want to set up a PRSA pension because I might not always be in the construction industry and therefore don't feel I should start the CIF pension. Can anyone offer advice on this, our my current state or my plans?
Thanks for reading!
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: 34k
Annual gross income spouse: n/a
Type of employment: Employee
Expenditure pattern: In general are you spending more than you earn? No
Are you saving? Yes I have €100 going into my regular savings account every month and I have been putting €500 into the credit union monthly.
Rough estimate of value of home: None
Mortgage on home: None
Mortgage provider: None
Type of mortgage: None
Interest rate: None
Other borrowings: €1500 remaining on Credit Union Loan paying €185 monthly.
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card? None
Savings and investments: €10000 in Credit Union and €3500 in my regular savings account online with AIB.
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: None
Life insurance: None
What specific question do you have or what issues are of concern to you? The first thing I will do is pay off the Credit Union Loan using the savings I have with them. That will allow an extra €185 per month I can save. Should I move the bulk of my Credit Union savings to a lump sum deposit? maybe the deposit 7 account online with AIB?
One other thing is, I want to set up a PRSA pension because I might not always be in the construction industry and therefore don't feel I should start the CIF pension. Can anyone offer advice on this, our my current state or my plans?
Thanks for reading!