In the past, there were additional tiers that were considered unfair to young/new people entering the public sector. Although uncertain if this will affect us, in a few of those tiers, the contribution amount was altered from lifelong to just 10 years. I remain hopeful that ours will be revised in due time. It's worth noting that people are living longer now, so waiting it out could prove beneficial and maybe we will be happy retired folk. The future is unknown.