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Text This video tutorial discusses how you can take more tax-free lump sum from your personal pensions than the standard 25%. It also explains how you can use this lump sum to reduce the amount of income tax you pay. The speaker's goal is to help people keep more of their money in retirement, and one tool for this is the pension commencement lump sum, also known as tax-free cash. Most people are aware they can take 25% of their pension tax-free from the age of 55, but may not know the specifics of how this process works.