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Transfer of AFPS Benefits to Non-Defined Benefit Pension Schemes

We are aware of some recently published articles relating to Service Personnel who, between 2010 and 2015, took the decision to transfer their Armed Forces pension benefits to non-defined benefit schemes, such as other private or occupational pension schemes.  

We also previously posted an item regarding the subject on our website in January 2020 which you can find here

Very regrettably, a number of individuals suffered financial loss and where necessary these issues are being dealt with by the concerned parties.  Since the 2015 public sector pension reforms, transferring Armed Forces pension benefits to non-defined benefit schemes has been prohibited.

If you did transfer your Armed Forces pension benefits to a non-defined benefit pension scheme and think that you may have been misadvised, you should contact the compliance department of the firm that handled the pension transfer. If you do not get satisfaction, you should appeal to the Pensions Ombudsman at

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