I already have a pension scheme, why do i need to get a PRSA or AVC?

[emsman]

I currently pay 6% monthly of my salary to a pension scheme in which my employer pays 15%.
I earn 40000pa and have no mortgage. I am 30 years of age. My question is:

Is there a need for me to get a PRSA or an AVC and can you give me a few reasons why i need these??

 

[pinkyBear]

in which my employer pays 15%.

You are in a very lucky scenario where by your employer contributes so much to your pension.
There are many reasons why people contribute AVC's,
I have 2 reasons-
Mr Bear and I contribute the max AVC's as a result due to the tax relief our monthly tax bill is €136, so for us it is the most tax efficient way of saving money.

The second reason is, when we retire (as we are in our 30's) what will be in our pension due to the tax relief will be greater than what we would have ever been able to save outside of a pension.

At the moment with our employer contributions we both contribute 25% of our salary...