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I'll always get advice when D-Day arrives. I think it's the not knowing what you'll receive, pension wise, when the times comes to retire. I guess most people are in the same room, just depends what door they exit from :thumbsup:

My wife had FSP with BT, working as a chef for twenty years, which then transferred across to Compass catering, as they took over that side of BT. About five years ago she took voluntary redundancy, in the run up to this she was involved in meetings alongside high ranking BT directors about the...

Currently 5/6 years away from pension mindset, it's just great getting an insight into what people are doing, given the new options.

Is it right you can apply to do this in one year, then actually receive it the following year, thus paying less tax?