Unfortunately for some reason I cannot reply to your comment but not sure why as having looked at your profile it says you have not posted anything and I cannot see anything posted onto my page for public viewing.wee bit upset about your comment re my nhs pension. To be fair to me you don't know my circumstances, how long I have paid into the pension scheme as it was optional initially and yes I agree nhs pension is a good pension if you can mabage to actually reach retirement age and paid into it for 40 years but that wasn't optional for me.
Everyone's case is different and this forum is about supporting others not querying the reason for posting asking others for advice