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Ask the administrators? You could either ask for an early retirement quote or just a list of the factors (some administrators might be touchy about providing this, but personally I would always jump at the chance to send out a simple letter with a list of factors rather than a full retirement quote).

She can't transfer it into a SIPP because the NHS pension scheme is an unfunded public sector pension scheme, and transfers out of this kind of scheme into DC schemes like SIPPs are prohibited. Does she have DC pensions or other savings she can access at 55 to make up the period to retirement? Why c...




Only makes £12 difference


£12pw = £624pa = 4.16% of your combined income. Not insignificant...

Does the Aviva fund perchance support multiple UFPLSs? If you only want to take the payments over 6 years and you want them (presumably) to be pretty even, rather than taking out a large lump sum straight away and then smaller payments for the subsequent 5 years, this might be your best shot - and e...

“ The annual payment on retirement is about £1700 p.a which I guess between now and retirement can fluctuate. ” Not "fluctuate" - it'll increase in line with inflation and/or fixed increases at 8.5%pa. (Your dates indicate you left the scheme in the late 80s, so it's possible...

“ A possibility? ” Yes - if your scheme allows (which I expect it would, and I'm a little surprised they didn't put this on your option form since it's so much easier than triv comm), you can take the lump sum if it is under £10,000 (before tax) without having to take any other benefit...




I'll expect my investment to increase during this time but even if it didn't and I ended up with the same amount of money from the CETV, then it will still be 26 years of money that I would have received from age 65.


And what about inflation?

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