I still only earn basic and am on my own. I cant afford to pay more in or employ a pension advisor. I scrimp and save to do what I do now. I did get a forcast. It gave me the standard rate but then underneath warned the Serps would be taken off. It looked like £20 but I am no expert. My entire pension will only earn me that atm - so I am worse off by far from opting out as most of my pension fund came from my contributions not serps. So it feels luke Iv'e paid a bit in all my life and for nothing.
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