Originally Posted by
Jambo Jet
Just run the current calculator with your current expected dates. And for 75/05 only make sure you are aged 45 or older on 1 April 2012 !
I tried that and replacing 8 years worth of AFPS15 with AFPS05 increased my yearly EDP by just £300. I doubt that’s correct, but the second lump sum has motivated me nicely, especially as it can be cashed in early with an actuarial reduction.