[Cannavar]

I cannot stress enough not to take pension advice from a Disney forum A lot on here will know their stuff, I like to think I am one of those. But you dont know how good my advice will be and I know nothing about you or your circumstances. There are general "good advice" that can be given but there are always outliers for who that would be bad advice.

Either educate yourself and ensure you are 100% happy you know the rules and whats best for you...or speak to someone qualified.

Good luck with it, it can be a minefield