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  1. #21
    Forum Dinosaur ไดโนเสาร์ Flip's Avatar
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    I wasn't aware of the arrangement Tom refers to above but I presume that's for people that have actually retired? I've a long time to go until then so only asked Scottish Widows what the position was in my case.

  2. #22
    Premium Member Tom & Nok's Avatar
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    That HMRC account arrangement applies in the case of anyone who pays income tax, retired or not.
    "I can calculate the movement of the stars, but not the madness of men" Sir Isaac Newton

  3. #23
    Forum Regular สมาชิกประจำ
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    25 percent tax free then im sure you can take lump sums out following years every pension is different and good advice is best suggested by a pension expert only problem is they all want you to invest in something or other ,and are not looking after you rather themselves ,

  4. #24
    Forum Dinosaur ไดโนเสาร์ Flip's Avatar
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    Quote Originally Posted by Samsung View Post
    25 percent tax free then im sure you can take lump sums out following years every pension is different and good advice is best suggested by a pension expert only problem is they all want you to invest in something or other ,and are not looking after you rather themselves ,
    Yes Samsung, you can take further lump sums out and you can also take the whole lot in one go. Nobody is saying you can't - we have been talking about the tax situation. The only time you can take the whole lot without paying tax is if you can provide evidence that you are not expected to live more than 12 months.

  5. #25
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    are as i near the age been looking so difficult the company's dont make it easy for you guess they dont want to lose money who would and the guys that advise you just want to make money .
    The cake is there and everyone wants a slice

  6. #26
    Forum Dinosaur ไดโนเสาร์ Flip's Avatar
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    You can get free pensions advice at www.pensionwise.gov.uk

    I have no idea if the service is useful or not, I haven't used it but it should be impartial.

  7. #27
    Forum Regular สมาชิกประจำ Sammy Shrimper's Avatar
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    I hate it when you're not on a level playing field. At 66 I will receive my state pension. I will be subject to the tax laws of the UK. However, because I have moved to Thailand lock stock and barrel, I won't be subject to any future increases in the pension rate. I feel it's a tad unfair.
    Get busy living or get busy dying

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