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Maximise Your Retirement Income with Pension Drawdown
Make informed decisions about your retirement income. Discover how flexi-access pension drawdown can offer you more control, flexibility, and potential returns for your retirement fund.
Get a personalised free quote today.
What Is Pension Drawdown?
Pension drawdown allows you to take an income directly from your pension pot while keeping the rest invested. Unlike a traditional annuity, flexi-access drawdown offers unmatched flexibility, allowing you to manage your money your way. Whether you’re looking to take small amounts, a regular income, or larger lump sums, drawdown lets you stay in control.
Key Advantages of Pension Drawdown
Flexibility
Access any amount—take monthly income, lump sums, or leave your fund undisturbed to grow.
Tax Efficiency
Withdraw up to 25% of your pension as tax-free cash.
Higher Potential Returns
With continued investment, your fund has the potential to grow over time.
Transferable to Loved Ones
Leave your fund to your dependants or successor after your passing.
No Annuitisation Risks
Unlike annuities, your capital remains accessible, and you’re not locked into current low annuity rates.
Things to Keep in Mind
Drawdown offers many opportunities but is not without risks. Poor investment performance or high withdrawals could deplete your fund faster than anticipated. This is why a tailored approach, informed by expert advice, is so important.
The Benefits of Choosing the Right Annuity Plan
Guaranteed Income for Life
No more uncertainty—once purchased, an annuity offers a reliable income, letting you enjoy your retirement stress-free.
Enhanced Annuity Options
If you have a qualifying health condition or lifestyle factor, you could receive a higher income through enhanced annuities—a perk many retirees don’t realise they qualify for.
Financial Stability with High Interest Rates
Interest rates directly impact annuity rates. When the rates are high, your guaranteed income increases too. Right now is the perfect time to explore your options.
Tailored to Your Needs
Your annuity income is determined by factors such as your pension value, personal details, and lifestyle. Together, we can help you maximise your income to suit your retirement aspirations.
How Does Pension Drawdown Work?
Initial Fund Setup
Transfer your pension savings into a drawdown-compatible fund. Take 25% of your fund as tax-free cash if desired.
Select an Income Option
Choose how and when to withdraw money, whether monthly, annually, or as-needed lump sums.
Keep Your Money Invested
Drawdown funds can be placed into options such as cash (low risk), smoothed growth funds (moderate risk), or equity portfolios (higher risk but greater return potential).
Check The Market For The Best Pension Drawdown Deals
Pension drawdown offers a versatile solution for those seeking control over their retirement finances. Unlike traditional annuities, drawdown allows you to keep your pension fund invested, offering potential growth while providing the flexibility to adjust your income as your needs change.
This means you can access your savings when you need them most, while maintaining the opportunity for your investments to grow over time. Whether you’re looking to supplement other income sources, cover unexpected expenses, or simply enjoy more freedom in retirement, drawdown gives you the control you deserve.
With expert guidance from an FCA-regulated adviser, you can make an informed decision that aligns with your unique circumstances, ensuring your pension serves you for the years to come.
As Seen On
Simple 3-Step Process
We compare a range of providers to help you find the best release options from experienced FCA regulated advisor.
01
Answer a few questions to Tell us about your financial situation—it only takes a few minutes.
02
Speak to an expert advisor to discuss your options, with no pressure or hassle.
03
Choose your plan If you’re happy, select the plan that works best for you and start accessing your pension.
What to Consider About Pension Drawdown
- Release up to 25% of your pension pot tax-free, giving you immediate access to funds when you need them.
- Keep your pension invested, growing your pension while drawing down an income, offering potential for higher returns.
- Adjust your withdrawals to suit your lifestyle, without the restrictions of a fixed income.
- Choose how and where your pension is invested, ensuring it aligns with your retirement goals.
- Tax planning advice to optimize your income withdrawals to stay within lower tax brackets and reduce unnecessary tax payments.
- Speak with an FCA-regulated financial adviser to explore if pension drawdown is right for you.
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Made the experience super easy and clear from start to end.
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Very friendly and detailed to make it an easy process.
Switching to a drawdown plan was one of the best decisions I’ve made. I now have the flexibility to manage my retirement income on my terms.
I was apprehensive about my pension running out too soon, but with tailored advice, I feel confident about my financial future.
Join hundreds of retirees maximising their pensions with expert advice.
Why Choose Us?
Our mission is to help over 55’s in the UK to release equity from their pensions and give them the financial security they need. Based on your criteria we will match you with fully accredited FCA approved advisors and reliable businesses that will provide you with the best quote for the equity release plan you need. We also aim to not make it stress and pressure free experience.
Stress/Pressure Free Experience
Get a hassle-free quote without the pressure of over-the-top sales tactics
Honest Fixed Quote
We’ll give you a honest fixed quote depending on what you need without any added costs
Compare The Market
Speak to advisors with access to multiple UK Providers
Transparent advice tailored to your circumstances.
Access to leading investment options with competitive fees.
Reliable guidance to manage risks and grow your income.
Frequently Asked Question
What is the difference between flexi-access drawdown and capped drawdown?
Flexi-access drawdown allows unlimited withdrawals from your pension fund. Capped drawdown, available only to existing users, limits yearly withdrawals to 150% of the Government Actuary’s Department (GAD) rate.
Can I switch back to an annuity later?
Yes, you can choose to purchase an annuity at any time if it becomes more suitable for your needs.
What happens if the investments perform poorly?
Withdrawing too much during poor market conditions could deplete your fund faster. However, choosing lower-risk funds or taking smaller withdrawals can mitigate these risks.
What happens to my drawdown fund when I pass away?
Your remaining fund can be passed on to your dependants or designated beneficiaries, with different tax rules depending on your age at death.
How can I start a drawdown plan?
Get started today by requesting a personalised quote or connecting with our experienced advisors.
Secure Your Financial Future Today
Take control of your retirement with a flexible, tailored pension drawdown plan. Don’t leave your income to chance—explore your options with our expert guidance.