Income Drawdown/Pension Release
As an alternative to an immediate annuity purchase, you can choose to release your pension funds using income drawdown .
Income drawdown lets you control your own income instead of getting a regular, set sum from an annuity provider. You are able to access your full retirement savings and invest and withdraw money as you wish, instead of being tied to an annuity. With income drawdown you also retain ownership of your pension fund and can therefore pass remaining funds on when you die. Using income drawdown as a first option can give you time to make a final decision on how to fund your retirement - for instance you might eventually choose to purchase an annuity at a later date.
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