roytheboyo;
I will make some comments and expect you will get much better views.
1. Defined, in Public service is as good as it normally gets. ie Half Salary @65.
2. At 65 you will need a fund in a Dc of circa 17,000 for each 1,000 pension.eg a Public service pension of k30 ,would need a saving in Dc fund circa 600,000.
3. At 67? you will qualify for Old age contributary pension, presently k12.
4. To get to K30 , you will have contributary k12 and need Dc fund circa 360,000 in todays terms to make up the K18.........................................................................................
I do not know what you/company will put into Dc scheme .
Normally no where near enough .
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Hence;You have a lot of balancing to do and I suppose today with all the gloom you have to be defensive.
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So a stab @ a Rule of Thumb.
To make up difference in State Defined V PAYE scheme ,you need 17,000 for each 1,000 you could reasonably expect from public service, on anything in excess of contrbutary state pension presently k12.