Just posting for help. I'm hitting 40 this year so maybe this is why I'm starting to worry about my pension... In truth, I have no idea when I can retire/what my pension will be etc, even when I look at the SPPA website. I have been teaching since 2003 and paying in to a pension since then but the old/new pension systems are confusing me. Anybody found an accurate way to work out their pension or is it more a case of waiting until nearer retirement age? Thank you in advance for any advice!