17 articles tagged with Drawdown.
Annuity rates have improved significantly. This updated 2026/27 comparison helps you decide between drawdown, annuity, or a blended approach.
How sequence-of-returns risk can permanently damage a SIPP in drawdown even if long-term average returns are fine, and practical ways to reduce it in 2026/27.
How a bridging pension works for those retiring before State Pension age in 2026/27 — how much extra income you need, how long the gap lasts, and how to fund it.
How to think about a sustainable withdrawal rate from pension drawdown in 2026/27 — the traditional 4% rule, why it may not fit UK retirees, and a worked example.
How phased retirement works using flexible drawdown in 2026/27 — crystallising your pension pot in stages, tax-free cash timing, and combining part-time work with drawdown income.
Should you take your pension as one lump sum or use phased drawdown? We compare PCLS, UFPLS and flexi-access drawdown for 2026/27 savers.
Drawdown lifetime mortgages release equity in stages as needed, while lump sum products release it all upfront. How the interest cost, flexibility and estate impact differ.
A plain-English guide to UK annuity types in 2026 -- lifetime, fixed-term, enhanced and more -- with tax rules, pros and cons, and how to compare quotes.
UFPLS vs flexi-access drawdown explained for UK savers in 2026/27 - how each is taxed, the 25% tax-free rules, MPAA traps and how to choose.
The 4% rule comes from US research -- UK retirees should target 3-3.5% SWR. Sequence-of-returns risk, annuity comparison, and how to stress-test your drawdown plan in 2026.
At 55 you can currently access your pension. From April 2028 the minimum rises to 57. What you can do now, the 25% tax-free lump sum and drawdown options.
All pension drawdown and annuity income is taxable. State Pension GBP 12,548 uses your personal allowance. PCLS 25% tax-free. MPAA GBP 10,000 on flexible access.
A plain-English look at the 4 percent rule for UK early retirees in 2026/27, how to apply it across ISAs and pensions, and where it can fall short.
Sequence of returns risk explained for UK early retirees in 2026/27, with a worked example and practical buffers using ISAs, cash and flexible withdrawals.
UK pension drawdown 2026: sustainable withdrawal rate 3.5–4%, sequence-of-returns risk, pound-cost averaging, tax-efficient income blending with ISA/State Pension, and the bucket strategy explained.
Should you take the 25% pension tax-free cash in 2026? PCLS rules, phased drawdown, Lump Sum Allowance £268,275, DB commutation factors, and death benefit changes.
Drawdown keeps your pot invested for potential growth; an annuity pays guaranteed income for life. With 2026 rates, worked examples and longevity maths to help you decide.
