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The planned world tour will have to be toned down but thinking of going down under for a month or so when I retire and take in an Ashes test match at the same time

Unfortunately two thirds of my tax-free lump sum will be required to get the kids on the housing market, grrrrrr

I very much doubt a local weather forecaster would accumulate that sort of pension pot

Perhaps it is more to do with what he used to do ???

So with any pension you can take out 25% tax free at 55, assume the pension monthly drops pro-rata ?

Ours was capped as final salary you were on last September which is ok for me but a massive blow for others

I suppose so, ours is 40 years, after that it doesn't make much difference bar edging up the tax free lump sum, 37th year next year so getting close to the line

That is steep ours are much better we also get a level option which is very attractive where you get a higher amount before 67 when state pension starts and then it reduces by the value of the state pension.

I doubt it I put 11 plus % and my company has to match it

You are right they just capped our final scheme at the salary we were at last September, the pension will still mature through the golden years but we could have opted out but nothing came anywhere near what we get staying in.

Looking at January 2020 for D-Day on retirement

Get a final salary one, easier to execute