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A pension scheme contracted out of the State Earnings Related Pension Scheme (SERPS) and later the State Second Pension (S2P).
We launched the TUTMAN B&CE Contracted-out Pension in 1988, specifically for the construction industry. Basically it allowed employed construction workers to get some of their employer’s and their own National Insurance tax payments contributed into their pension instead.
Nowadays there are more ways to take your pension savings than ever, so you’ll be able to find a way that suits your needs.
Get the full story on the different ways you can take your pension when you retire.