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The way it was pitched to me was that the 5% is reimbursed, so it ends up being the same as a 100% allocation. I asked him this several times. But even looking at the small print which I posted myself at the beginning I see that it is the management charge refunded. we will increase the benefit...

Thanks for comments so far. Can I just clarify the type of pension I'm supposed to get before I sign up to anything. I am a Public Servant with years of service missing and I wish to top up my pension. The product offered to me from the salesman was an Zurich Advice PRSA, but I want to go with...

Apologies for reviving an an old thread, but I have been offered a similar product through Zurich which seems reasonable. Allocation is 95% and fee is 1%. Allocation is refunded after 15 years, and financial advice is available. Is there an obvious catch? Could anyone explain why people tend...

Thanks all, this is good news.

Thanks Protocol. So it's sometimes cheaper to go through a broker than direct to the provider?

Can you give me some examples of discount brokers?

I rang Zurich last week to price an AVC. I was told that the fee is 1%. Which is grand.... Plus 5% allocation. Which is not grand. Just to clarify, I asked "So if my investment makes 7% growth each year you're going to take 6%?" He said "Yes" Either he was misinformed, or he was the worst...

Thanks a lot, that all makes sense!

Is it in the interest of the bank employee to get me to open more separate accounts? Every time I go in to discuss a mortgage I'm told that I should set up a separate account to show my savings, but I think it's fairly clear from looking at my current account that I am saving money. I am also...

Thanks for that Steven

I set up a PRSA a few years ago when I was self employed. Now I am employed by the state and contributing to a group pension. I'm sure that the PRSA is no longer suitable but I have received only vague information on this, one source said that it it not even legal to have a PRSA in my new...