Tax treatment depends on your circumstances and is subject to change

Pension drawdown and you

The flexible way to make the most of your retirement savings.

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Be pension flexible: 5 key facts

Pension drawdown means from 55 you can take money from your pot whenever you like
The first 25% is generally tax free; after that each withdrawal is subject to income tax
You can set up a regular income payment, or take your money as and when you need it
The money left in your pot remains invested, with the aim of growing these investments as much as possible
Nominate who will receive any remaining funds in your pot when you die

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Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement. That’s why it makes sense to talk to a financial adviser. Tax treatment depends on your individual circumstances and may be subject to change.

Get started with no obligation

We can check to see if pension drawdown is right for you. Our initial investigation into your pension will not cost you a penny and any advice charges are confirmed in writing before you have to make a decision to proceed. This means you can walk away better informed with nothing to pay.

Get started

How it works in 3 easy steps

With our no obligation pension check discover if pension drawdown is right for you.

Your permission

Complete and return a simple form giving us your permission to check your pension.

We analyse

Our team gathers and analyses all the information we need about you and your pension.

Your decision

We’ll send you a report, clearly stating what we think you should do. The choice is then yours.

Is pension drawdown right
for you?

While there’s a lot to like about pension drawdown, the flexibility on offer can create a number of challenges.

You could end up with a large tax bill
You could run out of retirement savings too soon
Your pension investments need regular management

That's why it makes sense to speak with a regulated financial adviser before making any final decisions.

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This website is aimed solely at UK investors subject to the UK tax regime.

Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: pensionaccess@harbourrockcapital.co.uk

Pension drawdown and you

Be pension flexible: 5 key facts

Get started with no obligation