Stupendous Man
Thanks for taking the time out to do that - makes total sense if I had thought of it!! As long as the ay scale counts fully, though I have previously tried the calculator - didn't see the lump sum bit, but at age 38 with 18 years in the scheme (I bought in a few years with previous pension), I stand to lose £8k a year.
Will need to revisit the modeller to do it more accurately with your instructions.
Thanks again
