Thanks Protocol. As I'm included on my husband's self-employed tax return, I don't really know how much, if any, tax I'm paying. My concern is, other than the government top-up of my SSIA, with charges on a PRSA and with the fact that at this stage the investment would be safe rather than dynamic, would I be better just investing in a decent deposit account? If I could invest through an execution only on-line broker, it might make PRSA worthwhile. However if up to 5% per annum was being deducted, it's hard to see it gaining much in perhaps 8 years.
Mary