Apologies - Another State Pension Forecast Query

eastcorkram

molerat said:

Yes you only have until April 2023 to top up pre 2016 years which are the only ones that can add to your pension amount according to that forecast.

How many pre 2016 years do you hold ?

Which pre 2016 but post 2006 years are not full and are there any of them cheap part filled ?

Your pension will be recalculated before it is taken anyway so if the forecast is wrong find out now or find out later.

Phoning the FPC should give you clarity but if you have less than 30 pre 2016 years with a gap it seems quite straightforward reasoning.

Have you ever been contracted out ?

Never been contracted out.

Definitely less than 30 pre 2016 years, as I only have 31 now, and everything since 2016 is full. 

17, or might be 18 years missing, all pre 2016 , as working out of the country. 

xylophone

Never been contracted out.

In this post https://forums.moneysavingexpert.com/discussion/comment/79362917/#Comment_79362917

Then, reach state pension age, start drawdown of the invested SIPP, and start small DB scheme, all at the same time.

This is a DB scheme joined after 5/4/16 or a DB scheme joined prior to that date but which was not contracted out (uncommon but there have been a couple of examples on the forum)?

eastcorkram

xylophone said:

Never been contracted out.

In this post https://forums.moneysavingexpert.com/discussion/comment/79362917/#Comment_79362917

Then, reach state pension age, start drawdown of the invested SIPP, and start small DB scheme, all at the same time.

This is a DB scheme joined after 5/4/16 or a DB scheme joined prior to that date but which was not contracted out (uncommon but there have been a couple of examples on the forum)?

A Non contracted out scheme which I was in for around 8 years in the 1980s. I've had this confirmed by WTW.