Can anyone give me their opinions on the future of the second state pension, formerly serps, I opted out 14 years ago, and directed the annual payments to a Personal private pension, however I am hearing more and more people are opting back in, I know no decision has been made by the goverment on the pensions crisis, however can someone advise me if opting back in is a good idea or is this yet another going with the herd mentality situation?