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if youre approaching retirement and youre 55 or over the current pension rules state that you can get access to 25 percent of your pension pot tax free so the question is should you be doing it should you take 25 of the total value of your pension as a lump sum without paying any tax the first thing to note is that the minimum pension age will be increasing to 57 by 2028 and you can check out another of my videos to find out more about that but right now you can get your hands on the money at 55 so is that the right choice well it depends on what your retirement goals are and whether you need the money at age 55 and whether you will be continuing to work but generally i would suggest that people should stay invested as long as they can unless youve got a very good reason to take the money out at age 55. most people will be better just by leaving it within their pension plan the money youve saved over the course of your working life will need to last for the whole of your retiremen
