The forward bit is career average

(see other post regarding final salary and what that looks like in real terms).

Just to be clear, am not moaning, just trying to clarify regular misconceptions.

The public sector pension is okay, but it's hardly luxurious and is not at all analogous to private sector ones (in theory it's more secure, but the lack of a fixed pension age when you can draw it is a hugely undrrplayed risk, even amongst civil servants)

Posted By: Cardiff Canary on November 4th 2025 at 11:21:36

Message Thread

Rachel from accounts has been up early today (n/m) (General Chat) - ParrotPuncher, Nov 4, 08:49:14
- She’s being a realist. Decades of stealing from the majority to fund the wealthy (n/m) (General Chat) - footymadman, Nov 4, 13:11:26
- Rachel from accounts ......nevermind the fact that. (General Chat) - CROYDONCANARY, Nov 4, 11:46:11
  - you'd think she'd have done better with the economy would'nt you, instead (General Chat) - trueyellow, Nov 4, 12:10:10
    - There's no such thing as a 'black hole'.... (General Chat) - CROYDONCANARY, Nov 4, 12:35:05
- If she raises income tax it will be the correct decision (General Chat) - JoeyDeacon, Nov 4, 09:15:26
  - Bloated Public Sector (General Chat) - Fenwood Lad, Nov 4, 09:38:15
    - Keep your hands off my gold-plated pension. (General Chat) - Snakepit Divorceee, Nov 4, 12:16:54
    - You do know that public sector pensions are contributory. (General Chat) - camcan, Nov 4, 11:35:57
    - The pension scheme has already been revised. (General Chat) - Cardiff Canary, Nov 4, 10:56:48
      - Oh sorry, I'd not refreshed to see your reply! (n/m) (General Chat) - camcan, Nov 4, 11:36:49
        
        That's alright (General Chat) - Cardiff Canary, Nov 4, 13:15:22
      - If you joined the scheme years ago (General Chat) - jamesward, Nov 4, 10:59:57
        
        Only for the period it was open. (General Chat) - Johnny Comecardiff, Nov 4, 12:18:27
        
        Partially (as I've been in 25 years) - but even that's not great (General Chat) - Cardiff Canary, Nov 4, 11:18:16
        
        I wasn't when my employer ditched final salary about 6 years ago (General Chat) - Azteca, Nov 4, 11:13:35
        
        So a portion will be based on final salary? (General Chat) - jamesward, Nov 4, 11:17:26
        
        For me yes - best of both worlds - I'm lucky (General Chat) - Azteca, Nov 4, 11:55:18
        
        The forward bit is career average (General Chat) - Cardiff Canary, Nov 4, 11:21:36
      - 👍 (n/m) (General Chat) - JD3, Nov 4, 10:59:00
    - It’s going to happen at some point (General Chat) - JoeyDeacon, Nov 4, 09:41:48
  - The public sector is not bloated. It is cut to the bone. (n/m) (General Chat) - colincanary, Nov 4, 09:30:31
    - Been that way for ages - cut to the bone (n/m) (General Chat) - footymadman, Nov 4, 18:21:57
    - You are deluded if you think that (n/m) (General Chat) - JoeyDeacon, Nov 4, 09:37:34
  - You've clearly swallowed the Nigel Farage play book (General Chat) - LincolnshireCanary, Nov 4, 09:27:45
    - 👏🏼 (n/m) (General Chat) - footymadman, Nov 4, 18:21:31
    - and you have? (General Chat) - JoeyDeacon, Nov 4, 09:40:56
      - The telegraph and city am!! Wow what sources (General Chat) - LincolnshireCanary, Nov 4, 09:45:09
        
        Generally fairly balanced. (General Chat) - JoeyDeacon, Nov 4, 09:49:27
  - I'm interested to know how she plans to reduce the cost of living (General Chat) - jamesward, Nov 4, 09:22:14
- its a clownshow (n/m) (General Chat) - shoddy, Nov 4, 09:14:32
  - 100%. A major factor for our current economic doldrums is BREXIT and the main proponent (General Chat) - The Gaffer, Nov 4, 09:29:06
    - Thickos love him. Insanity (n/m) (General Chat) - footymadman, Nov 4, 18:21:07
    - Absolutely this. The millionaire grifter fucked the economy, didn't stop the boats (General Chat) - Knitted Jesus, Nov 4, 11:30:11
      - Post of the century! (n/m) (General Chat) - footymadman, Nov 4, 18:20:45
    - Correct✔️🥇 (n/m) (General Chat) - Canarrojo, Nov 4, 10:15:44
- "we'll all have to contribute" (General Chat) - paulg, Nov 4, 09:11:03
  - The wealthiest can (n/m) (General Chat) - footymadman, Nov 4, 18:20:10
- Thievesy at it again (n/m) (General Chat) - Bristol Yellow, Nov 4, 09:04:19

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