hello padraigob..
Myself and my wife are trying to do something similar,so we have decided to set up a direct debit of 650 per month into a 10yr government savings bond,so basically we buy a bond worth 650 every month for ten years with a return of 47% after it matures in ten years time...So after the last month in ten years time,we should hopefully be receiving around 955 back per month every month for ten years..so if you do your sums 650x12x10 = 78000 euro with a return of 47% = 114600 which is 955 per month after ten years, and that goes under the national solidarity bond if that means anything in todays climate..now obviously i dont have any idea of yer circumstance but it suits us to do it this way.hope this helps