My overall financial position is not too bad now. Age 36, Salary approx. €50K, mortgage €550 per month,though I am thinking of moving and will almost certainly have to significantly increase my mortgage if I do so, car loan €240 per month(3 years left to run), SSIA €254 till next april, (will be worth approx. €16k). I dont want to put the full amount of this into a pension, (I am going to buy myself something nice out of it!!)
I am definitely going to look into the Quinn Life pensions as the charges seem quite low. My family never believed in this sort of stuff(pensions), well to be honest couldnt really afford it.
Whilst I am quite good with figures, all the stuff with bid, offer spread, etc just loses me and when you are told to pay €500 per month (net) to get a pension of €16K in 30 years time, it just does not seem worth it, and I always just keep putting it on the long finger.
Thanks for all the advice.