I will have 40 years normal service done at the age of 63. I have purchased 3 years notional service through contributions which will allow me to retire on full pension at 60.
I'm now wondering did I do the right thing as I will probably work until I am 65 due to mortgage and other financial commitments. I didn't put a lot of thought into it except for giving me the option of retiring early. Would anyone have any knowledge on this and whether I should continue with it.