As others have said we need the full picture. But let me assume you have an adequate pension. My recommendation is 20k cash and 100k in 5 year Savings Certs earning 1% p.a. tax free. Don’t go near anything which charges 1.5% p.a. Alternatives are low cost ETFs but there is risk, effort and possibly unfavorable tax treatment.
Thanks for your feedback. I have decision to make then, as to whether I pay off my mortgage. I guess if interest rates increase,as they will, then that would definitely make sense.
Irish Life are one of the more expensive providers in the market and the longer back you go, it's likely the charges were even higher.?
IL seem to manage many DC plans, what are other less expensive providers
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