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Pension help

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.
postie2007
EX ROYAL MAIL
Posts: 65
Joined: 20 Oct 2011, 09:46
Gender: Male

Pension help

Post by postie2007 »

Hi all,
I have calculated I have a pension pot that will give me £29000 lump sum which my AVC will cover. My question is what options do I have for the cash balance element.

Plan C
Since 2007
Leaving at age 60

TIA
RobertT
EX ROYAL MAIL
Posts: 6645
Joined: 09 Sep 2007, 14:26
Gender: Male

Re: Pension help

Post by RobertT »

1. Use it to fund more lump sum, with the first 25% being tax free.
2. Transfer it out to buy an annuity or drawdown.
Links to all RM pension related websites are here
postie2007
EX ROYAL MAIL
Posts: 65
Joined: 20 Oct 2011, 09:46
Gender: Male

Re: Pension help

Post by postie2007 »

Thank you Robert,
Will increase lump sum The amount left is not enough for a decent annuity so will take remainder as cash and pay the tax further increasing my lump sum.