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Just thought I'd update on this. Decided to write to Unio direct and it seems that our company pension is transitioning to a new system and online platform so the old one is not updating, but all our contributions are being applied. We will be given access to the new platform shortly. The worry...

From what I've learned, anything above the 25% will be taxed as normal income, so in and around 52% as a higher earner.

Not fully sure of the charges that apply to us with APT (through Unio), but like yours, the funds on offer are severely limited and also somewhat different to yours. I'm in Irish Life Navigate World Equity Fund S2. By the by, have your contributions been allocated since December? Ours are...

Thanks for your replies, much appreciated. Will wait to hear back from them and update.

Hi all, I have an occupational pension with APT, through Unio. I noticed that they last applied contributions on 31/12/23. I believe they have up to 6 weeks to apply contributions, but 3 months seems excessive. Is there anyone I can complain to this about? My company have sent an enquiry on my...

Pay off the mortgage ASAP I would say. Does your employer offer an occupational pension? If so, get into it straightaway and maximise contributions. Could you get a better account to save the child benefit into? Look at deposit best buys and put it into a better earning account at least.

Hi Steven, Can you challenge these fanciful factors or is that just the way it is?

Hi Brendan, having that problem on my firebox browser, on mobile phone. It won't let me log in. No option to accept cookies, either.

I'm on chrome now, by the way.

I'm getting the same issues. Logo is now gone. Also, when I try to access the site in Firefox it tells me I need to accept cookies, but doesn't give me the option to accept them. Because if that, I can't log in. Had been viewing the site through Firefox for ages on my mobile, this is a recent...

I was always told most cars lose 10% of their value the minute you drive them off the car lot. Sounds about right.

There's no straightforward answer to that,really. You could just ask them is there a chance of a deal. Don't reveal how much you have, just wait and see what they say.

Thank god for that

https://www.rte.ie/news/2021/1008/1252595-mica-at-a-glance/

I'd agree that anything more than 1% mica is risky. She should leave it alone

I used a broker myself and they were a good help. Got me a tracker at the time which turned out to be brilliant!

Previous thread on pensions and not working https://www.askaboutmoney.com/threads/opening-a-prsa-when-not-working.227845/

https://aib.ie/our-products/mortgages/mortgage-overpayment-calculator Have you tried the AIB overpayment calculator?

My pension, 100% equities, is up 9% this year so far. What funds are you invested in?

Thanks for the detailed reply. I really appreciate it.