I opted out of serps into a private pension in 1990 with only their bit going in I just cashed it in this month £23000 16500 ish after tax and that will reduce as with that I will be on the 40% tax band for a month or two towards end of year. But still worth more to me now than about 500 a year at 65. The new pensions are a better deal with contributions from both which in about 6 0r 7 years has accrued about 50% what the other did in 31
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Do you know how much money went into your pension and how old are you now and how many years have you until retirement age