Go for a low cost one
So either Davy Self Directed PRSA or a PRSA with Zurich or Irish Life via LA Brokers.
https://www.askaboutmoney.com/threads/the-cheapest-prsa.6253/page-6
[broken link removed]
Are they low cost?
Davy Select charge 0.75% AMC and funnel you towards their GPS range which charge between 0.5% - 2%. If you want to buy international ETF's, you are charged more. ITC's PRSA is 0.5% plus the fund charge but you are looking at minimum of €10,000 single premium and minimum of €1,000 a month regular contribution.
The Execution only with LA Brokers is 1% AMC, just like all the others.
In both cases, they are execution only, so there is no advice. If you aren't a DIY'er, aren't you better off paying a fee for advice so you have the correct investment strategy?
A lot of people on this site seem to favour the PRSA over the personal pension, which is a lot more flexible than the PRSA. There's personal pension plans with AMC's ranging from 0.5% - 0.65%. Based in informal information I have received from life companies, you can expect to pay an additional 0.1% for passive funds.
If you are making a single premium and it's over €10,000, you can get an allocation rate of 101.5% with an AMC of .5% in a personal/executive pension. Pretty good value.
Steven
http://www.bluewaterfp.ie (www.bluewaterfp.ie)