Simple solution, bank what you can and run to the highly lucrative civilian sector. MoD can monk on about SCAPE as long as you realise there is no pot, no option to SIPP out the cash and no guarantee what is promised today will be honoured tomorrow .
If we all had a pension pot, my view may be different. But 2 major pensions changes have illicited the cynic in me.... As has the 0 percent pay rise whilst equivalent civvie pay has gone up by 25% in the past decade.
Last edited by VinRouge; 22nd Oct 2018 at 12:44.