NHS Pension Confusion

[Deleted User]

How do I delete it please 🙋🏻‍♂️

dimbo61

Hi Adam,
I have only read the first page but know you will get lots of good advice from most of the posters.
The NHS is still one of the best pension schemes available.
You pay in about 9% of your earning and the NHS ( your employer even if it's called a trust ) pays in over 20% 
You pay your 9% before Tax and NI so costs less than 9%
Do not under any circumstances believe anyone who tells you to transfer to a private/ Pension provider.
They do not offer the same benefits or life assurance, Spouse pension etc.
If your going to climb the NHS career ladder and earn anywhere near the £1050,000 limit that you can save into a pension over your career then consider other ways to save.

AlanP_2

Joannethompson said:

How do I delete it please 🙋🏻‍♂️

Click on the cog wheel, top right of your post and select Edit, then remove the statement.

[Deleted User]

I'm thick as !!!!!! and can't find a cog wheel and proper freaking now 🙈

JoeCrystal

Joannethompson said:

I'm thick as !!!!!! and can't find a cog wheel and proper freaking now 🙈

Sometimes it is transparent but if you hover over the right end of the blue bar above your post, the option appears as a hand symbol.

garmeg

Joannethompson said:

How do I delete it please 🙋🏻‍♂️

I have reported the post as you wanting the attachment removed. Not sure how long it would take to do that though.

If it is any consolation, when I clicked on it originally I just got a PDF document full of 0's and 1's and absolutely nothing else apart from the odd blue line so it looks like it is corrupted anyway or maybe it is  my PC.

hugheskevi

garmeg said:

If it is any consolation, when I clicked on it originally I just got a PDF document full of 0's and 1's and absolutely nothing else apart from the odd blue line so it looks like it is corrupted anyway or maybe it is  my PC.

It previously showed with complete details for me.
OP has managed to remove it now though

garmeg

Joannethompson said:

How do I delete it please 🙋🏻‍♂️

If you still want help, paste a redacted version removing your personal details (DOB, NINO etc) and we can take a look.

No point hiding your name, unless your user name isn't your real name.

A precis of the numbers should suffice alternatively.

nigelbb

dimbo61 said:

Hi Adam,
I have only read the first page but know you will get lots of good advice from most of the posters.
The NHS is still one of the best pension schemes available.
You pay in about 9% of your earning and the NHS ( your employer even if it's called a trust ) pays in over 20% 
You pay your 9% before Tax and NI so costs less than 9%
Do not under any circumstances believe anyone who tells you to transfer to a private/ Pension provider.
They do not offer the same benefits or life assurance, Spouse pension etc.
If your going to climb the NHS career ladder and earn anywhere near the £1050,000 limit that you can save into a pension over your career then consider other ways to save.

The amount that you pay for your pension is not 9%. It varies depending on your salary & varies between 5% & 14.5% with those on higher salaries contributing more.

https://www.nhsbsa.nhs.uk/member-hub/cost-being-scheme

It is a very good scheme paying 1/54 of salary in retirement. Average life expectancy at pension age is over 20 years so your your pension amounts to an extra 40% of your salary paid in retirement.