Originally Posted by
CharlieMike
I've just run the pension calculator twice - once for leaving at IPP and once for leaving after having accepted a PAS offer and leaving after a 5 year RoS. Can't work out why, but assuming max commutation, my immediate pension would decrease by about £2000. Assuming 25 years of pension, this significantly wipes out the bounty and the slight increase to lump sum.
Maybe I'm doing something wrong and I'm happy to be corrected, but taking the PAS offer seems to mean I lose money when I include the pension effects.
Have you put leaving on PVR terms at the end of your 5 year ROS? That would make you lose a lot from your 75 scheme pot. Don't you get an option (non-PVR) at that 5 year point? If not I'm very sad for those that bit.