I've ploughed through loads of postings but still have questions! Each time I phone TPS I hang on for ages, get my answers and then think of further questions that the answers have raised! My latest question is if I opt for early retirement at age 54 in order to freeze my best 3 years do I actually have to take the pension or can I leave it until I'm 60, therefore not suffering ARB? I've been assured y my HT that I can be re-employed on a new contract which I'm assuming will be part of the career average scheme? I know that I can opt out of the pension scheme and carry on working but then I'll lose the chance of accruing further years in the career average pension. Any advice from anyone?