Teachers AVCs
I wouldn't say any AVC is 'rubbish'...its very to have some type of AVC than none.
But as a teacher if you're short service you would be much better off opting to buy back service ..ask the Department about the scheme. It provides a guaranteed benefit for a given level of contribution so that the Exchequer :
* guarantees you a real investment return on your money
* takes on the annuity rate risk, i.e. the risk that you might live to be 120!
* pays all the expenses of operating the scheme.
Its an extremely good deal ..I would highly recommend you ask the Department of Education about it.