Have you played around with the Civil Service Pension modellers? - http://www.cspensions.gov.ie/modellers.asp. They also show the cost of purchasing notional service. It struck me as being really expensive.
Watch out for charges. The firms that deal a lot with public servants - Cornmarket, IPF - are not known for offering competitive charges on AVCs. Before you commit to anything, post the proposed charges here for comment.
I think my Union uses Irish Life and my recollection is the terms are not great but it’s so much easier to have deductions at source.
As a pre 95 civil servant I didn’t think I could have any excess over the tax free lump sum amount of 1.5 times my salary or that I could have an ARF.
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