Best remedy with early Classic, deferred Alpha

swisscheese3

Can Alpha in remedy still be better when taking Classic around 57 (NPA 60) and  Alpha (NPA 67) at 60? I get the feeling that the lower Classic figure will be generally evened out by Alpha when Alpha’s taken at 60. The higher Classic figure with Classic in remedy is tempting but the Alpha element starts off from a low base (compared to Alpha equivalent in Alpha remedy) even with projected CPI and there will be actuarial reduction at 60 on top.

Of course we can’t predict CPI and have crunched numbers with so many caveats and assumptions until my brain has melted so not looking for exact figures. I am a straightforward case with linear career so no breaks in service, changes between schemes etc.

Classic in remedy is generally better for those with promotions towards the end but I won’t be in that category. I am prioritising maximising pension over lump sum.