> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.collegia.co.uk/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What happens if I opt out of the pension scheme?

If you choose to opt-out of the pension scheme, you will forfeit valuable benefits, including employer contributions and government top-ups. It's important to consider the long-term impact on your retirement savings before making a decision. Please note that Collegia does not provide tax advice so if you are not sure please make sure that you contact and Independent Financial Adviser.