Pension:
I have recently sign up to a pension and with a 99% allocation rate and 1% annual management fee + 4 euro a month. This sound a little expensive but maybe I am just would like to know.
Life cover:
I appreciate I need something to be in place in case I died, I have got many quotes and have lots of varying prices and options. Primarily around age to cover to, indexation, convertible and guaranteed.
Q2. Is to 65 sufficient b) should i lock in a price now c) should I index this or just go for a higher premium now?
Income Protection:
Found this pretty expensive in general but understand its also necessary. I am eligible for disability e.g. not self employed. Basically I am unsure whether I should also go guaranteed and or indexable. I have done quotes for 10 years older and the prices are massive - should I also lock in this price?
Regular Saver:
I have recently bought into a bond with NTMA for 10 years. This is my childs secondary school fund. However, I also intend to save circa 2k a month and looking to get the best advice on this. This is the hardest question.
non insurance providers with no early exit penalties, 1% government tax or 8 year tax - what ones do you refer to?
Vista savings scheme
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