My OH has a pension circa 100K with a previous employer and recently received a Statement of Options. In her next job there is no pension set up as it is a small operation so transferring it to a current pension is not an option. Options seem to be leave it in current setup or move it to a buy out bond. I have read other threads on this area and I think moving it to a buy out bond is the best option. My query is not really which investment option to select but how to suss out all the charges that apply and to compare them. For example looking at Irish Life they are set out clearly though if you want to invest in Diversified Funds then it states the following so to me it seems they can add whatever charges they want so I would avoid it. My OH has 25 years to retirement so for now it would be a medium to high risk investment so was wondering if anyone else has recently gone down this road & could give me any tips. The cost of using these specialist managers is deducted from the fund performance and is in addition to Irish Life’s annual management charge of 0.75%. These figures are for illustration purposes and will vary in the future depending upon changes in the asset mixes of the funds, any performance bonuses paid or appointment of different external managers.