Hi everyone, I'm embarrassed to say that I know as much about my pension as I do about nuclear physics, I've just been paying in to it through work (we're with Irish Life) for almost 20 years without having a clue. Just recently I had a meeting with a financial advisor from a bank where I was applying for a mortgage and when he looked at my pension details he said - exact words - "that's ****ing shite". Needless to say, that made me gulp. The rough details: I'm 53 I've been with the same company for nearly 20 years Salary: €60,000 Current Contributions: Me - 6% of salary, my employer - 10% of salary. If I was to retire this year (unlikely!): Estimated Retirement Fund: €129,800 Estimated Cash Lump Sum: €50,600 Balance of fund after taking Lump Sum: €79,200 Est. Pension Income Generated: €2,010 Admittedly, I wasn't anticpating living the high life if I retired early ..... but €167.50 a month, after 20 years of paying in to a pension, made my eyes water. But next to the pension experience of several family members and friends, that would make me rich... Any way, is that pretty much the best I can do, or is there another route I could take to boost that figure to actually make it possible to eat when I retire? All/any advice would be most welcome, thank you.