Given that you're on the higher tax rate and there's an employer contribution, I think you should definitely avail of the pension arrangement.
Given your own admission that you don't have a clue, I'd be inclined to opt for the IRIS fund as it is managed for you and will adjust the risk profile downwards as you near retirement age. But take professional advice from the scheme advisor before making your decision.
I agree with everything in Conan's post above.
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