I unexpectedly became unemployed end of last year and while I had planned to make avc payment for 2022 in a lump sum, I didn't. Things were just up in the air and when one doesn't know how long it will take to find a new job, it is a bit difficult just to put a chunk of money away... Anyway I am back in employment and contributing to the maximum of my age allowance. The lump sum I could put for last year would be about 20k, would it worth opening a prsa just for that? Would it be even possible? Or is it just not worth it if I don't use it anymore?