Hi I really should change that user name........... A question for you wise ones, especially diddydave if you have the time, and don't mind? I am constantly amazed by how much advice and support you give on here - many, many thanks for all of your efforts. Anyway, to explain briefly. After MUCH deliberation I finally decided to get myself out of teaching - will hand in my notice next week and leave at Christmas. I have been in the game for 30 years and enough is enough. I am 2 years short of being able to draw a reduced pension at age 55, but that's ok as I have been saving and paying off the mortgage so can manage financially until then . I have to admit the relief I have felt since writing that resignation letter is immense. A couple of months ago I opted out of the teachers pension. My reason for doing so was that my best 3 in 10 was dropping of the end of the chart each year and I wanted to protect it by taking a break. I wish I had done this a couple of years ago, but hey ho. Anyway, I was about to do the paperwork to opt back in for the remaining 4 months until I leave. But then I thought - should I? I will pay about £1000 in pension in those remaining months, but will I actually benefit from anything from it (other than death in service cover?) Should I just stay opted out and keep the contributions?? If anyone can advise then please do so. I am very much looking forward to joining the retirees here - not long now!