I've just completed my NQT year having come in to teaching at 34 and I'm trying to optimise my final pension. I've completed a PhD and worked a few years in research - I'm in the process of transferring in 3 years of my university pension into the teachers scheme but appart from that I haven't paid into any other pension. What are peoples opinion about making up the difference? Should I consider buying in to the teacher's pension? If so when?