I am 47 I have been buying back years to age 20. These will become paid up next Feb 2016. I have found out that because of lack of pay rises and the cpi rises that if I come out of the new career average scheme my pension which I intend to take at age 55 will be based on a salary of 10% above my current salary. My plan is to pay off the buy back then opt out of the career average scheme to lock in that 10% uplift. Inflation is looking as if it is going to be low over the next couple of years. I plan to do something else from age 50 to 55 then take teachers pension - I will have 27/80ths - hubby a bit older and still in 80th scheme.? Thoughts?