Hi Folks, I current pay into a pension via my day job PAYE employment. I pay 5% of my salary matched by 5% from my employer, its with Irish life and is called Complete Solutions Company 1/fund name Multi Asset Portfolio 5 Series P. I also have a seperate pension which I pay a lump sum into yearly to offset tax from rental income with zurich called Balanced Pension & Invest. Both of these appear to have medium risk rating, combined I am contributing €9k approx. I was a bit of a late starter to the pension game and the current value of both is €32k (im 44 years of age). I understand the projections are to be taken with a pinch of salt but would it be ill advised to increase the risk rating on one pensio to high for a number of years as it appears ill have very little to loose?