ANNOUNCEMENT : ALL OF ROYAL MAIL'S EMPLOYMENT POLICIES (AGREEMENTS) AT A GLANCE (Updated 2021)... HERE

ANNOUNCEMENT : PLEASE BE AWARE WE ARE NOT ON FACEBOOK AT ALL!

Taking 65 pension early

Royal Mail pension news and discussion.Please note the advise given in this forum is unofficial, please use the links we have for a more detailed response or see an independent financial adviser.
scoobydo79
Posts: 2005
Joined: 15 May 2011, 19:04
Gender: Male

Taking 65 pension early

Post by scoobydo79 »

Hi Guys. Please can any one tell Me? If You are already taking Your 60 pension and still working and think actually I think I will retire can you take your 65 pension early? Also what would the consequences of doing it be? Many Thanks
Wullie10
EX ROYAL MAIL
Posts: 662
Joined: 30 Jul 2017, 12:07
Gender: Male
Location: Retired

Re: Taking 65 pension early

Post by Wullie10 »

https://www.royalmailpensionplan.co.uk/ ... lculators/

You can take the 65 early but it'll be reduced. Use the calculator to give you an idea what to expect.
broughts
Posts: 328
Joined: 24 Nov 2011, 19:09
Gender: Male

Re: Taking 65 pension early

Post by broughts »

Is there a calculator for capita
NorthernBoy
EX ROYAL MAIL
Posts: 383
Joined: 27 Sep 2010, 21:08
Gender: Male

Re: Taking 65 pension early

Post by NorthernBoy »

broughts wrote:
05 Jan 2025, 18:32
Is there a calculator for capita

If you have registered with capita you can get an indication of your pension at retirement with them. They told me the figures given combine 60 and 65 pensions so no split between the 2.

You can put in early retirement dates to see what the reduction would be. The reduction % is not the same as the reduction %on the RMPP calculator. It looks like the 2 are using different reduction factors / methodology.

As with all things capita their website is not great, they just need to copy the RMPP one and it would be so much better.