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    This is now worth a revisit as the situation is probably changing again! For the punch drunk amongst you, we will try to keep this as painless as possible.

    To be serious for a moment though, these decisions are often fundamental to your future standard of living and comfort in retirement, as well as the options to semi retire or retire earlier, so it’s worth taking the time to ensure you are making the right decisions.

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    This is now worth a revisit as the situation is probably changing again! For the punch drunk amongst you, we will try to keep this as painless as possible.

    To be serious for a moment though, these decisions are often fundamental to your future standard of living and comfort in retirement, as well as the options to semi retire or retire earlier, so it’s worth taking the time to ensure you are making the right decisions.

    Traditionally it has

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    ill try to keep this as painless as possible.

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    Traditionally it has

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    Traditionally it has

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    re earlier, so it’s worth taking the time to ensure you are making the right decisions.

    Traditionally it has always been agreed that the basic NHS Pension Scheme is unbeatable, and that is still the case. However, what about 'making up' for lost benefits or attaining the 'magic 40 years service'?

    What is the best way in which you can do this?

    Well, the choices to date have been:

    Added Years

    Here, for a percentage of your pay, you can buy extra years service. For many, this is a good route as:

    •They are guaranteed defined benefits and so

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