If being able to transfer out responsibly, rationally, fairly and in light of all the facts is the fair and right thing to do and allow, let it be fair for all. But it won't be - because although the government is minded to allow the transferring out of funded defined benefit schemes, it won't extend that ability to unfunded schemes, such as AFPS.
This isn't about the rights and wrongs of the suitability of specific advice, it's pure and simply subordinating the rights of servicemen to say, policemen or nurses in a similar scheme and The Treasury. Never let it be said anymore, that AFPS is still a 'free' scheme. It comes at a price, and that price is restriction and fewer options.
The default setting is always to do nothing, not to transfer - and rightly so. But there are plenty of people who do stand to be potentially advantaged by leaving deferred membership of AFPS. Also, if you're in retirement, your annual pension contribution allowance is going to drop to £10,000 per annum, from £40,000.
https://www.gov.uk/government/upload...al_WMS__C_.pdf
https://www.gov.uk/government/news/p...ou-should-know