Age: 39 Spouse’s/Partner's age: 39 Annual gross income from employment or profession: 90K Annual gross income spouse: 160K Type of employment: Both private sector employees Expenditure pattern: We are both generally 'savers' Rough estimate of value of home 850K Mortgage on home 400K Type of mortgage: Tracker, interest only, fixed rate Variable Interest rate ~3% Other borrowings – car loans/personal loans etc None Do you pay off your full credit card balance each month? Yes Savings and investments: 280K Do you have a pension scheme? I pay 13% (+ company 7%) Partner pays 7% (+ Company 13%) Do you own any investment or other property? No. Ages of children: None. Life insurance: Yes. What specific question do you have or what issues are of concern to you? Our savings are pretty much all over the place. My partner has ~80K in deposit savings. I have the rest which is broken out into: 90K Current a/c 50K savings 20K 7 day notice 9K PEP (Ark life) 58K PIP-SSIA (Ark-Life) Looking at my ArkLife statements recently it appears they are a good way to lose money. Fees are ~1.5% The current account balance is so high due to selling off a previous property and being unsure of what to do with the cash! So what advice would you give us to make better use of our money. We are potentially going to be buying a new house in the next 2-3 years, so my thoughts are to simply pay off the mortgage early...but are there better options? In any case I am thinking that I should be moving money out of riskier funds (same for my pension) since it looks like any current gains will be eroded if the market drops from its current "high". Cheers.