Hilarious - I spent hours trying to look at different scenarios and retirement ages - I am in both schemes so have two parts to my pension. It was as clear as mud. Got hubby to look for me. His response was " Why is it so complicated?" . He then proceeded to log onto his police pension website which showed one table with all the different retirement ages down one side, payments, lump sum and a final column that summarized the benefits or drawback of retiring at that age! Simples! If only.