Leon, you are making a sensible move getting away from BoI. BoI are simply a Tied Agent of New Ireland. In relation to the point made by GSheehy, you must take an important note of the Management Charges. I was on a 1% Man Charge with BoI Life funds, but after two years of questioning with no answers from BoI Life, my own accountants reckoned I was being charged 2.5%. In view of your pension, I think it important that you take time to decide your next move, but New Ireland / BoI Life are a big NO NO. Website to follow on my three year debacle with them both.