IMPORTANT Despite doing well on Fresco, and having a looming war to look forward to - the Government (Treasury) is about to F*** us over with our pensions. Do not believe what you are told about us having reserved pension rights. They intend to make changes to the tax laws that will have serious affects on YOUR pension. Read the Green paper that is out concerning this issue - on the internet or on the MOD portal - lots of little things have been slipped in. I have a source that has revealed some very nasty little issues... The government has made major errors on their forcasts of public borrowing and are looking to claw back money from wherever they can. Firstly, they intend to bring in tax laws by 2004 such that no one - including the military - will be able to take your lump sum tax free. Mine was earmarked to go toewards the mortgage, but now less a hefty tax. They are also looking at phasing out the intermediate retirement point (38/16) for officers by 2010. This will mean delaying your pension until 55. But it gets worse... They are also looking at removing the 55 pension point and delaying the issue of all pensions until 65. God only knows what they intend doing with Army NCO pensions as you are 'forced' to leave at age 40 - imagine if you had to do so without the immediate pesnion cushion and you had to wait to collect your reward for all those years of pain until 65! For those already on pensions, do not think you will get awy scot free... Yes you do have existing rights, but they will also get you via changes to the tax laws - which everyone in the UK must adhere to. By 2010 thay also intend to raising the index linking of your pension from age 55 up to 65! The government do not like our immediate pensions at age 40 - they are too expensive and want to save money and raise everyone to a common pension age of 65. Do not listen to their lies that the Armed services are different because we need to be physically fit etc. They will take away the only thing that the majority of people in the Services stay in for once they are a littel older. The RAF currently lose 49% od their officers at their first immediate pension point; I know that many more would leave now if they did not have the carrot of a pension to stay for. Start doing some digging fells. When I get some more information from my source, I will be using my civilian family to raise questions with their MP. I will also write to the senior personnel policy officer in my Service to find out what they are doing. We do not have contracts and they can make changes to our pensions via the 1956 pension act. Think about it - even leave is a F***ing privilage and not a right! Spread the word - this has been sneaked in via the back door and we cannot allow this to be introduced. I want to retire in 3 years at age 40 - I don't want to spend my life away on shitty operations away from my family. However, I do not want to lose my pension - if that was on the cards I would have left 10 years ago. This is not bitter and cynical diatribe - this is the start of my 'mission' to raise awareness of this issue before it is too late!