I’m not sure from your post if you’re fully up to speed on the QROPS process and the necessary requirements but if you’re not then I’d strongly suggest you find a good Advisor who can help you with this. In my opinion going it alone and looking to save a few bps for advice would be very shortsighted.
What it your particular reason for transferring it to Ireland?
4 months to come back to you on the transfer to PRSA.....I know from experience how tedious the QROPS process is but I can’t see how telling you that one particular product wasn’t suitable could have taken so long.
The 1.25 amc on its own is about standard & I wouldn’t consider it excessive, presumably that includes an ongoing yearly trail commission for the Advisor.
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