Last edited: 13 Dec 2018 I'm a bit confused about my pension situation with a decade or two to go to retirement age. Especially what way things will work at retirement time. I have three different pensions: A PRSA A Pension Retirement Bond (PRB) into which I transferred a previous occupational scheme years ago A paid-up Personal Pension Plan (PPP) Only the PRSA is being contributed to on an ongoing (monthly) basis by myself and my employer. The other two are paid up and not taking contributions. Due to the takeover of my current employer the plan seems to be to switch from the PRSA to the new company's occupational scheme - I don't have full details about this yet though but the proposal seems to be to switch to a DC occupational scheme with the employer matching the employee's contribution up to 3% max and the employee allowed to contribute a max of 5%. The current PRSA arrangement is that the employer matches the employee contribution up to 6% and the employee can contribute as much as s/he wants (i.e. total employer + employee contribution only really limited by the age related tax relief limit). Note that the PRSA actually comprises three separate contracts in case that matters - two for lump sums made at different times and one for the main fund still accepting contributions. The PRSA is also my main pension fund - i.e. worth a lot more than the other two. I think that the retirement age stated in the various pension documentation may not be the same in all cases - e.g. some 60, some 65 etc. My questions are: All things being equal (in particular charges being reasonable etc.) can/should I merge some or all of the above into one pension? If that is not possible then isn't it going to be very complicated at retirement time dealing with three/four pensions separately? Are PRSAs, PRBs, PPPs and occupational pensions treated differently at retirement time or are they all aggregated when calculating things like 25% tax free lump sum, ARF/AMRF purposes etc.? On a general note should I be looking at anything in particular in relation to all of these funds heading towards retirement age? Charges are competitive on all of the pension products and I'm happy with my fund selection for the moment in case that is relevant. If (as I expect) my new employer's occupational scheme has higher charges than my current PRSA can I contribute the minimum to take advantage of their matching contribution and then use my PRSA for the rest of my age related tax relief limit? Can the new employer unilaterally change the pension benefits like this or do I have any statutory rights in this respect? Thanks a lot.