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SERPS? Out or In?

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ringo110879 | 21:09 Fri 17th Mar 2006 | Business & Finance
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I have just received literature from my pension provider asking if i would like to opt back into the government pension scheme, I' no expert but i was advised 5 years ago to opt out. Should i opt back in?

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If you can afford to, do so but still pay into your alternative private scheme as well.


This way you will get the best of both worlds.

There's a lot of 'depends'. You pension provider should send you a forecast of your pension every year; if this is a lot less than the state one, then you're probably better opting back in.


If it's a comparable amount, then it's a lot harder decision!

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SERPS? Out or In?

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