Should Recent Entrants to the Public Service Top Up Pensions?

[Cricketer]

I know this may not be straightforward because each person will have different circumstances. But is there a general answer? Pensions for post-2013 entrants will be a lot lower than previously. Are AVCs the answer? Is there any point in a public servant taking out a totally separate pension plan? What do you think?

 

[michaelm]

Where finances and other priorities allowed, I would put as much of the money I was paying 40% tax on as I could, into an AVC.