Thanks to all that replied.
Thanks for your views.
A little more, info (Didn't want to overload you the 1st time :d )
The bond was part of a redundancy package, special terms were negotiated.Company closed down.
The Policy states that charges can be levied, (Deducted from fund or reduced units)
But I have a document stating that
" The full total current value of your Plan benefits would be invested with Eagle Star, with no commission to Irish pensions Trust or any other agency"
Does mean, Irish Pension Trust or others did not charge me for setting up the retirement bond & but they excluded saying that there will be charges levied by Eagle Star for managing the bond.
There was also no policy fee.
Needless to say your comments are always appreciated.