Section · 3 articles
Workplace & private pensions
Tax-free cash, old pots from past jobs, and the choice between an annuity and drawdown, explained without a product to sell.
Taking a quarter of a pension tax-free, and what happens to the rest
Up to 25% of a pension pot can usually be taken without tax, within a lifetime cap of £268,275. The way it is taken changes how the other three quarters are taxed and what can still be paid in.
Tracking down a pension from a job you left years ago
Employers merge, schemes are renamed and letters go to old addresses. The free government tracing service, what to have to hand before using it, and where pensions dashboards have got to.
Annuity or drawdown, set out without the sales pitch
One swaps a pot for a guaranteed income, the other leaves it invested and lets the owner draw on it. How each works, what can go wrong with both, and where to get free, impartial guidance.
The other sections
The Tuesday Tide
One page each Tuesday: what has changed in pension rates, tax allowances and deadlines, with the official source for each. Nothing to buy.
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