BV
I have 40 years of full contributions but, most of them were contracted-out during RAF service. So, my pension forecast is about £122 out of a theoretical £154. I will not pay extra years to get the extra £32 because:
They will change the rules again.
They will means-test payments.
The extra falls into 40% tax.
They will increase the taxation levels.
I will die before making a profit.
The money is better spent on my Wife's pension.
They will change the rules again.
OAP