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Pension Release

How much can I release?

One of the most common questions we are asked is how much people are entitled to release from their pension fund. The simple answer is a maximum of 25% as a tax-free cash payment.

But how much is that?

The actual cash amount will vary from person to person depending on how much is available in the individual’s pension fund. However it is wise to note that you should ideally only take the amount that you need. For example if you require a specific amount to pay off any outstanding debt prior to your retirement and you only need 10% of your pension pot to achieve this aim, you can leave the rest invested to draw on for an income in retirement.

How can I find out exactly how much I could release?

Capital & Income Solutions provides an in-depth and completely independent advisory service for all our clients. Once we have carried out our free, no obligation pension assessment to determine your suitability for early pension release we would take steps to establish the value of your pension fund and provide you with an idea of your 25% tax free lump sum. We are authorised and regulated by the Financial Conduct Authority.

It may be tempting to take advantage of the entire 25% as a tax-free lump sum. However you should take proper independent financial advice prior to choosing pension release in your situation. C&IS can provide a free initial consultation to ensure you understand all the options available to you. Contact us for more information now.

Is there any way to release more?

You can usually release up to a maximum of 25% of your pension fund tax free. In some circumstances it is possible to draw down a one-off payment without having to continue with an ongoing regular income to release a little more of your pension early, although the extra money could incur income tax liability.

From April 2015 new regulations will come into effect which change the amount of Pension you are able to release in certain circumstance, for example allowing you to release all of your Defined Contribution (DC) pension benefits as a cash lump sum. Please contact us on 01132 774429 for more information on this or any of the changes made by announcements in the Chancellor's last Budget.

Call us on  01132 774 429.

Contact Capital & Income Solutions today for professional no-obligation advice and your free initial consultation to determine exactly where you stand.

For more information about flexible drawdown call us on  01132 774 429

FREE Pension Enquiry

Fill in your details below to receive your FREE no obligation Pension Release enquiry form.

We value your privacy and as such we will not sell or pass on any of your details to anyone. By submitting this form you agree to be bound by the terms of our privacy policy.

What is Pension Release?

Are you over 55? Did you know that you could release a tax-free cash sum from your pension now without taking your pension income.

How to get started?

First, you need to complete the "FREE Quote" form above.
Then you will receive your Pensions Release Enquiry Form and you can tell us what pensions you want us to look into.