OneQuestion
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- 20
Go for a low cost one
So either Davy Self Directed PRSA or a PRSA with Zurich or Irish Life via LA Brokers.
https://www.askaboutmoney.com/threads/the-cheapest-prsa.6253/page-6
[broken link removed]
Low cost for PRSAs then - as the majority of PRSAs have a contribution charge which I see as robbery.
I don't believe that the average Joe Doe is better off with advice - and if I would really need advice I would opt for a fee based advisor - not someone who is trying to sell me a product.
Personal pensions have as well policy costs afaik. Can you stop any time your contributions without penalties? Can you transfer you personal pensions to an occupational scheme/a pension vehicle abroad any time without additional costs?
Transfer costs? Exit tax? All this points speak from my personal point of view against a personal pension. They might be suitable for others but unlikely for me.
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