I am a freelance GP locum with no other Scheme membership. Can I pay my GP locum contributions into a Stakeholder Pension and then transfer the money into the NHS Pension Scheme?
A. You may, if you wish, choose to use your locum earnings to pay into a Stakeholder Pension rather than the Scheme. However, if you then wish to transfer your Stakeholder Pension into the Scheme you must be mindful of the statutory time limits. These govern when you can transfer previous pension rights into the Scheme. Usually, this must be done within 12 months of joining or re-joining.