Hi Diddydave I have a quick query and was hoping the expert could help please! I've left my school leadership post so now have the hypothetical calculation secure. My highest salary when leaving TPS was the last 365 days of service Am I right in thinking: 1. If I rejoin within 5 years, the calculations include the 1.6% above inflation again for all values (but otherwise it is "frozen") 2. If I take a job at a lower pay rate, unless I exceed the value of salary at the hypothetical break in the next 10 years, then none of that service would count in calculating the pension i.e. I would be better off putting those contributions into a SIPP or otherwise. Unless of course, that 1.6% uplift makes it worth contributing??? Not found a job yet, but just factoring in "future opt out" as a way of seeing what the take-home might be in between applications... Thanks C. PS no dependants, so the death in service benefits of TPS don't mean much to me personally!