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What are the charges on the PRSA and personal plan? Standard PRSA charges are capped at 5% of each contribution and 1% annual management fee but lower charges can be obtained through negotiation and/or payment of a flat fee for arrangement up front. If the charges on the PRSA are around the same OR LOWER as those applying to the the personal plan then, given that the employer will be topping up the contribution, it would seem to make sense to stop contributions to the personal plan for now and go with the PRSA assuming that it offers investment funds suitable to your needs/age etc. There is no reason that you can't have several pension plans over the years which are stopped and started as required (assmuming no penalties for making plans paid up). There is no reason of necessity to merge different plans either unless doing so is (a) possible and (b) allows you to benefit from lower charges and/or more flexibility (e.g. more suitable range of funds to choose from, less administrative hassle etc.).
So, basically - compare the charges on the two plans and use that as one key determining factor in making a decision.