NTMA or AVC ? 

Q – I have € 15,000 to invest over a longer term.  I have read your recent advice regarding the benefits of investing in NTMA state savings bond over a 10 year period yielding a total tax-free return of 10%.  I am employed, aged 42 and have an Additional Voluntary Contribution fund in addition to my employer pension – my total contributions are 14%.  My question is – should I invest in state savings or my AVC fund?  Terry – Cabinteely Co Dublin

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