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Maximum tax free lump sum at 55

Royal Mail pension news and discussion.Please note the advise given in this forum is unofficial, please use the links we have for a more detailed response or see an independent financial adviser.
oliel
Posts: 3
Joined: 28 Sep 2025, 17:12
Gender: Male

Maximum tax free lump sum at 55

Post by oliel »

Can anyone help me work out potentially what the maximum tax free lump sum i could get at 55 would be - finding it super confusing to understand. ( I should be continuing working and contributing to the latest pension.

The RMSPS statement shows the following

NRA 60 benefits
annual pension £1321
pension increase £1029

The RMPP statement shows the following

aged 65 benefits
CSDB £2252
CSDB PENSION SUPPLEMENT £453
AGE 65 CASH BALANCE £30648

Thanks very much
RobertT
EX ROYAL MAIL
Posts: 6437
Joined: 09 Sep 2007, 14:26
Gender: Male

Re: Maximum tax free lump sum at 55

Post by RobertT »

An easy explanation was posted just a few weeks ago:
viewtopic.php?f=27&t=117502

Bear in mind the DBCBS will be reduced by roughly 1.3% for each year you take it before 65.

Alternatively, if you're 3 months before your 55th birthday or older, you can get yourself a quote:
https://www.royalmailpensionplan.co.uk/ ... ment-form/
Links to all RM pension related websites are here