Hi I work part time for network rail been with them for 24 years they are now launching a smart pension. There is so much controversy as to whether they are good or bad I am confused. If we don't want to go for the pension we have to opt out as it's an automatic joining. Problem is with all the rumour mill working overtime I'm now confused as to which way to go. HELP !!!!!!! Thanx to all who post sensible answers.