Sorry if this has been asked numerous times. I'm in the CS. Joined in 2006 so paying full PRSI. I was 25 when I joined, nearly 26. By the time I retire, the State Pension won't be issued until I'm 68 (pending no more changes to this). I really don't want to work until then. I would like to retire by 60. Obviously I won't have the full 40 years done by then and if I'm correct cannot buy back years as I could work the full 40 years? If I was to go at 60, I'd only have 34 years worked. Working on a sample salary of €50,000 I think this would give me a lump sum of €65,000 (104/80) and pension of €21,250 (34/80). Then I think I need to apply actuarially reduced benefits calculation to that. Lumpsum: 90.7% of €65,000 = €58,955 Pension: 74.8% of €21,250 = €15,895 I think the state pension of €12,000 has to be taken away from the pension figure? So that would leave me with approximately €3,895 a year? So around €75 a week? Am I entitled to the supplementary pension at 60 or would I be expected to work? I used this for the above calculations http://www.cspensions.gov.ie/faq2.pdf Is the above correct? Finally, my question is how do I improve the above benefits considering it's 20+ years away? AVC?