I don't think rules of thumb are useful in this case as much depends on the circumstances of the individual. Somebody who does not own their own home should probably prioritise that above pension savings first. Similarly somebody with large/high cost debts should be looking at reducing/clearing those first. Somebody whose employer offers a contribution should generally contribute at least the minimum to secure the employer contributions. Somebody who can afford to might want to maximise their pension contribution tax/PRSI/health levy relief. And so on. Ultimately the right amount to contribute will be driven by the individual's targer retirement income.