Having finished my time and traded green for a collar and tie I now have to decide which option of the Civil Service pension to take. Any experts or other civil servants have any views on the best way to go? Choices are a) Final Salary based (1/60 x years of service x final salary), cost 3.5% of pensionable earnings. b) build up a pension fund and buy an annuity when the time comes, no contribution required as 11.5% put in from employer. However, they will then match any extra contributions up to 3% of pensionable earnings. Any thoughts welcomed.