I have been reading with interest another current tread here on starting a pension at 43. Could I ask much the same question but for someone 14 years older. It’s a new question as I’d guess the advice given will be totally different for someone so much nearer retirement age. What would people here recommend for a 57 year old who has recently finished paying kids college fees, recently paid off mortgage and now has no debts. Because of the above he has no private pension, he will qualify for the contributory state pension at 67. He currently earns €40K and health permitting intends working to 67. He has a reasonable emergency fund in a 30 day notice account. He could probably put €10K annually, maybe more into whatever for 10 years to age 67. Simply putting it in the best of current saving accounts will earn next to nothing and will effectively be losing value over time. PRSA’s / Pensions have the benefit of tax relief, though he is mostly on the lower rate, and with charges, levy’s etc and the relatively short time left, would it still be beneficial in his circumstances ? He knows that in pension terms any pot will be small and therefore any pension will be small, so all the more reason to get the best he can from it, if indeed this is a viable option at all. What would people here advise ? pension wise or whatever in his circumstances. Thanks.