Why would you want a IFR - ME rating when you only have a bare licence...???
Also....
This constant bitching from the pom sector about income is really annoying. If your motivation is to earn big bucks and live your life in pursuit of the perfect pension plan while working for the perfect company - you are in the wrong career. Believe me, if you ever find the perfect package,perfect conditions and perfect employer, it will no longer be perfect, because a w@#ker like you will be involved in it.
Flying and aviation are lifestyle jobs. If you don't enjoy it enough for all the current benefits and conditions, then get out of the game and leave it to those who enjoy getting up for work everyday.