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@onlybyhisgrace1 And unlikely to get one for a long time!!!

@robertjjones I work in Banking/Finance. I would say it’s fairly standard for the employers in this area to contribute to a defined contribution pension.

@janetq Yea I’m going to max out mine. Not sure there would be a benefit to paying into my wife’s as she’s currently paying minimal tax? On the deemed disposal I’m comfortable enough with this, especially with my chosen fund the Vanguard Life-strategy allows me to invest in one single ETF and...

@clairedet Fair play. I’m 39, I prioritised paying down the mortgage (mortgage will be gone in c9 years) and only got into the investing side in the last 18-24 months. I’m maxing out pension now tho and employer puts in 15% so I’ve 35% of income going into pension at the mo. I’ve always been...

@clairedet Congrats on hitting the €1m mark. Can I ask what age you are and what you did to get there?? I only started really hammering my pension 18 months ago and I’m at €160k and have a defined benifit pension from previous employer than I’d value around €175k. Hoping to hit the €1m mark in...

@corneilious It’s pretty much the only benefit they offer but yes it is a great benefit

@sakura2015 It replaced a defined benefit pension my company used to provide. The 12% increases up to a max 15-16% I think as I get older

@memberofthebodyofchrist Employer doesn’t offer any other benefits. We have mortgage cover with specified illness, I have a Zurich life assurance policy for c€350k and my death in service cover with work is pretty good, I think my spouse would be c9x my annual income to buy a pension

@beth12445 Is the cost of the individual Berkshire shares not and issue. Currently around €280 each

@treybud20 My current mortgage rate is 2.95% and I am in the process of remortgaging which will reduce the rate to 1.95%. After tax on investments is taking into consideration I need a 3-5% return to match that. While I would be confident of beating that investing in the market, between my...

@farmerdex The employer contribution doesn’t count towards my 20% limit in an occupational scheme from the research I’ve done. I think I will increase my contributions up by the equivalent of what I’m investing privately. I think I will then switch the €280 a month I’m saving for the kids...

@takkula My way of looking at it is I know I will be working for the next 14 years and I don’t currently have a cashflow problem so by paying off my mortgage as soon as possible remove a €1300 per month outgoing permanently by the time I’m 50 and coming to a stage where I could be looking to...

@technetiumm Thanks. We bought our house at a good time which obviously helped but we worked our asses off too, took 3-4 foreign students 6-8 months of the year while both working full time. This allowed us to get married and renovate the house debt free. We switched mortgages 4 times getting 2%...

@technetiumm Not at all. Wanted to explain my current position so people would be best position to answer my question

@hansbiblebeliever Yes I think that is what I will do. Increase the pension contributions up to 20% and then any spare cash I have left over along with the €280 children’s allowance into the Vanguard ETF

@digital_joseph Yea I’m aware of that but haven’t given it much thought. To be honest that level of money is beyond anything I could have ever contemplated. If I was to get there and had to pay tax on it I would still fell like I’m in a very lucky position

@danieldr I work in Financial services.

@digital_joseph No haven’t factored that in as yet. I haven’t given much thought at all to retiring early. At present I enjoy my job. So plan is to get to 50, be mortgage free and hopefully have a decent portfolio of investments ( whether in or out of the pension) and see what my options are at...

@digital_joseph In terms of pension coverage. Once mortgage is gone my monthly expenses will be €2k let’s even say €2.5k which is €30k annually. With state pension for myself and wife of c€24k and my defined benefit pension of €6k this is almost covered already

@peter1000 Thanks. Definitely considering this now