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@clicks Cheers! I have one and still have no clue what the deal with it is, most confusing concept I’ve ever tried to figure out. I said I’d ask the fine folk here and I’m happy to go with the advice and leave it as is

In my previous job we were signed up to a defined benefit pension, as well a separate defined contribution pension. I got a letter in the post today with the closing statement of the DB pension. I was with the company for 4 years, and looking at my annual statements I couldn’t figure out what...