I got offered a Regular Commission from Sandhurst - no mention of any negatives. Now I'm planning to leave at my 16 year point and get my immediate pension (old pension scheme - 75) and I've found I'll be at least Â£1,500 worse off a year than if I had an IRC and just let it run out rather than having the RegC and PVR-ing. Does anyone know of any way around this??? Annoying to have mates leaving having done the same as me and getting more cash! Perhaps there's an angle about not being told this at the beginning or some other loophole to exploit?