I have an avc currently with Cornmarket. I was recently approached by a broker from PSRA, who claim to be an independent financial advisor, although I know myself they are not independent in the truest sense of the word. They want me to change over my avc from Cornmarket to Zurich Rebate Scheme. He claims I will pay significantly less fees if I move, as Zurich will rebate the annual management charge as long as I continue to contribute a minimum of €25 per month for the life of the pension. Both Cornmarket and Zurich charge entry fees of 5%. Anyone have experience of either or can offer any advice as regards the pros and cons. I know the entry fees are high with both. The obvious incentive for me is the 40% government contribution from my tax €€€s. I should add I am a public servant in my mid thirties.