Just thinking about consequences of the firefighters judgement and I know that all of this is blue sky. So if the government (big IF I know) put everyone onto the same protection as proteced members and we revert back to the final salary scheme until 2022 that puts me at 53. I'm retiring at 55 so if I stay in the TP then I will contribute 21/2 years into the CARE pot. My view is that this will be worth next to nothing if I take at 55. If I opt out into a private SIPP does my employer also have to make a contribution e.g. I would still save the same amount as I would for my TP? Just mulling over some ideas as I don't want to waste £12k of my money over this short period of time.