Owen McGee

speaker

1,739 appearances 11 recordings 2 series first heard May 2026 last heard 5d ago

Owen McGee’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 11 in all, peaking in Sep 2026 with 3.

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Today with David McCullagh · Personal finance Q&A · 11 Aug 2026 podcast

Now, I'm sure I'm sure they gave you a lump sum option as well.

Sure.

And what one of the things to be aware of, and some people might do this, is they might build up the AVC and make the decision much later, where they just take the AVC to buy the buy back the year.

two years later on.

So that might be an option.

Unfortunately it's not something that I can say, This is exactly what you need to do because it would take us sitting down, running through the numbers, figuring it all out and saying, Right, in your circumstances, this is what I would recommend.

Yeah, well it's it's very expensive.

It's it's really unfortunately when you're comparing those things y you really need to think about it it's it's not the expense of it because you can work it out backwards to say what am I gonna get out at the end of it?

And if you're putting in one euro and getting fifty cent back, then it's less expensive because you'll be getting that fifty cent, you're doing that for the next five years, but you're getting that fifty cent from let's say from sixty five years and let's hope you live to a hundred, you're getting that

50 cents so then it's not expensive and the AVC you have much more control over how much I'm putting in.

Yeah.

I increase it, decrease it.

You're not it's not very it's not rigid, so it's much more flexible.

So I really think it's a massive decision to make, and I think you should you're only five years out.

You have a little you don't have a whole pile of runway left in that career.

Oh fifteen.

Sorry, I thought you said five, fifteen.

Fifty.

So what I would say is it's definitely get some get some advice.

Sit down with somebody and say, look, what's the best thing for me?

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