u/Such_Supermarket1255

I’m thinking of retiring next year at 57 with according to my benefit statement around £19k per year. Is it generally better to leave the pension without claiming it for 3 years until I reach NPA at 60 and so avoid the 5% pa reduction (is that even correct?) but then miss out on 3 years of pension?
I realise there are all kinds of variables about how long I might live and the effect of the career average scheme etc, but is it generally better to wait if possible?

Alternatively, can anyone tell me how to get the TPS to give me an accurate estimate? The online calculator seems to suggest my pension wouldn’t be reduced by taking it early, which doesn’t seem right.

I’m running a 3-day 120 ish mile ultra this weekend from London to Bristol. Stopping off each night at hotels but still looking at 3 40 mile days. It’s totally unsupported, just me and a small backpack (although really looking forward to the Premier Inn breakfast start of Day2). Turns out it’s going to be 30 degrees this weekend. Which is not ideal. I ran a 100km last year on a hot day and nearly died! Aside from the obvious, drink a sh*t ton of water, what advice have you got for surviving in the heat?