I'm planning on putting my notice in fairly soon and by the time i leave the service I will have done just over 9 years. I had a look at the pension calculator and to be honest was pleasantly surprised at what i will get as I was not expecting much at all really. Is there anyway I can get access to the money in the pot to put in to another pension scheme outside. Or is it better to just keep what you have where it is nice and safe. I plan on moving to the colonies the day after my service is officially up I don't know if this will make much difference. When I leave I will be 30 having worked full time since I was 17 with only 1 week unemployed (which was the week before I joined) The first few years of employment I was an apprentice and i'm guessing I did not pay very much tax no idea if I paid national insurance, would this knock years off my state pension as well? Sorry if this does not make sense I have tried my best to get my point across.