Hi guys, I have a few questions as I've been offered an NQT position from end June or early July. How does the teacher pension work, as in, what contributions would I be expected to make on an M2/M3 salary? How much will the employer be putting in? I opted out when I was working in finance for a couple of reasons. My personal investments were yielding greater returns as well a higher overall return on capital investment. Another reason was that I knew a few people that had lost out on their pensions, with some people losing out on £300-500k due to their pension provider going bust. I don't think I would want to stomach such losses, which is why it was better for me to continue funding my own low risk, high capital investments. If the teacher pension is contributing to a firm and carrying similar risks, then I feel I should opt out? Thank you.