Ask Emma

Question: I’m in my 30s and have been saving into my pension for a few years. Just wondering do I have an option to access the money I have built up?

Joanna, Co Meath

Answer: You raise an interesting question, Joanna. For a lot of people, one of the factors that discourages them from saving for their retirement is the thought of not being able to get their hands on their cash for decades.