Have #3, you'll never regret it.
I’m not sure if you’re joking
Don't buy company shares. Unless you are very lucky, like working for Apple in the 1990s, you will do better with a diversified portfolio. So put it into your pension.
Really??
I work for one of the big American pharma companies and thought maybe it is a good idea partly because of the tax incentive, I also plan to be there long term and hopefully get good returns in a couple of years. I know zero about stock markets and tbf don’t have the cash to invest hence my thinking this is an easier option.
I have done irish life previously (saving for house) and I’ve just read on here not to use them.