You can contribute €28,750 to your pension given your age and salary, regardless of any employer contribution. So, it doesn’t look like you are maximising your pension contributions.I make 2000 a month AVC
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I am currently exceeding my 25% pension age limit for AVC.
She is public servant , pre 2013. Yes marriedAre you married to your spouse? If so, is she maximising her tax relief?
Apologies was not clear. The 2000 is avc, I also pay 520 a month into the DB and 400 a month into the DCYou can contribute €28,750 to your pension given your age and salary, regardless of any employer contribution. So, it doesn’t look like you are maximising your pension contributions.
Paying down a mortgage ahead of schedule in priority to maximising pension contributions is a mistake, IMO.
Is your spouse contributing to a pension?
Is there any work you could do to your home to make it more energy efficient?
I suppose no real lifestyle goals , did a lot of work on the house so all big jobs done. I just want to make sure I have enough for kids college and pensionOP you haven't articulated any financial goals or lifestyle ambitions?
While not helpful to the OP directly, have they got the balance wrong in managing their finances? Overcommitting to paying down the mortgage has resulted in tax relief forgone and now they are in a position that they have excess resources. With a high income, company shares once the mortgage is at a manageable LTV and the rest of the finances/expenses are in check, then the focus should be on maximising tax relief and using the excess to pay off the mortgage? Time in the market etc.
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