Just a quick question, my husband has a pension, which he pays €100 into each month. He is on the 20% tax rate, and will possibly be still there at retirement. The pension he has is with Hibernian and last year the total growth in our funds was €130, while the servicing charges were €108, is there something better we could invest our money in, or is this the best there is. The total amount in the fund to date is €6,000, so would we lose this if we were to change to anything else?? Any answers much obliged.