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Great, thank you.

I am self-employed and filing a joint tax return with my partner, who is PAYE. Can somebody please tell me if we are entitled to all of the credits below? Personal credit 3,300 Employee credit 1,650 Earned income credit 1,350 Any help greatly appreciated.

Good to know, thank you.

Thanks DB74. Yes, that is what I am assuming too. But for what it's worth, the box on the Revenue form does say "between 01/01/2020 and 31/10/2020."

I am filling out my self-employed tax return and had intended to make a sizeable lump sum contribution to my PRSA, to lower my bill for 2019. When I get to this section, however, the box is marked "Contributions made between 01/01/2019 and 31/10/2020." Can this be right? It seems unfair, given...

Thanks Gerard, that's very helpful. So, just to clarify, I don't have to send Revenue anything unless they specifically ask for it? Just fill in the relevant figure on my tax return?

Thanks Zenith, but isn't the deadline December 10 this year if you file online?

Apologies, I am relatively new to pensions and may have my terminology mixed up. Yes, I simply mean a lump sum contribution - what are the mechanics for going about it?

I am self-employed and getting ready to make my first income tax return since setting up a PRSA last year. I would like to reduce my bill as much as possible by making an AVC but am not quite sure how to go about it. Can anybody tell me - do I just send a cheque to my pension provider and then...

What if you are self-employed, you usually earn around 1,000 per week but thanks to the virus that is down to around 400 per week? Are you entitled to any compensation or is that just tough luck?

I am in my mid-40s and finally got around to starting a pension last year. Like everyone else, my balance is taking a serious hit right now. Is there an argument for suspending my monthly payments until stability has returned? Or should this work out ok because my money is now being used to buy...

Thanks for all those replies, they're very helpful. Just one question for GSheehy - what exactly does "execution only basis" in the context of getting a 0% contribution charge? I understood that 5% was quite standard, so reducing or even eliminating that would obviously be very attractive.

Thanks Kevin. We are fairly sure that a PRSA is right for us and we have a reasonable knowledge of how pensions work. We just don't know much about how to choose a fund or what kind of charges are reasonable to expect. That's why we'd like to know exactly what questions to ask before sitting...

My partner and I would both like to start PRSAs this year. Can anybody advise us on what are the most important questions to ask pension providers when they are trying to sell you one of their products? We are not particularly financially literate so would like something low-risk and...

Hi Cremeegg, Well, maybe 'experts' isn't the right word but you're certainly people who have analysed these issues far more than the average person - which is why I find the diversity of opinions so worrying! Would everyone at least agree on this - that the advantages of a pension for someone...

Thanks for all those replies, plenty of food for thought there. I have to say, though - if experts such as yourselves can disagree so strongly over what should be a relatively straightforward question, how on earth is the layperson supposed to make intelligent decisions? I appreciate that not...

I was recently talking to a relative and asked him, "Have you thought about starting a pension?" He surprised me by answering, "I've looked into it and I don't see the point." His position, roughly, is this: He is just over 40, self-employed and earns around 30,000, so pays a lower income tax...

You are right, of course. I only mention it because I am self-employed and will have to do all the research, paperwork, management etc myself - which is why the idea of a State auto-enrolled system is attractive in some ways. Anyway, that's another day's work!

Thanks Brendan, that would be much appreciated. From my point of view, I am 42 and never started a pension because I prioritised buying a house and paying lump sums off the mortgage. Now the house is almost paid for and I am thinking about pensions seriously for the first time. Being a...

Hi everyone, I am still trying to get my head around these proposals and have some very basic questions. 1. Will 6pc of your gross income be the maximum you can contribute? In other words, do you need to get a private pension as well if you want a really good retirement fund? 2. What if I...