What you can and cannot transfer will depend on your existing policies and the scheme rules. You can transfer from an occupational scheme to a buy out bond or a Personal Retirement Savings Account (PRSA) which will allow you to hold the funds personally. You can transfer from a PRSA to another PRSA. You can transfer from occupational scheme to another occupational scheme. The rules of each can be complex, therefore it is important to speak one of our trusted pension experts today.