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Pension drawdown is one of the most flexible ways to take money from your retirement savings — but it’s also one of the most misunderstood.

In this video, I explain exactly how pension drawdown works, using the Swiss roll analogy to show why phased drawdown can be such a powerful retirement income strategy.

Here’s what you’ll learn:
• What pension drawdown is and who can use it
• How phased drawdown works and why it’s more tax-efficient than a lump sum
• How to use your personal allowance to reduce or even eliminate income tax
• The impact of the Money Purchase Annual Allowance (MPAA)
• Why your investment strategy is crucial in drawdown
• The key pros and cons of pension drawdown

Example:
David retires at 60 and needs income before his State Pension at 67. By using phased drawdown, he takes £16,000 a year — £4,000 tax-free and £12,000 taxable. Because he has no other income, it all falls within his personal allowance. The result? £16,000 in his pocket with no tax to pay. That’s £112,000 of tax-free income across 7 years before State Pension even begins.

If you want to understand whether drawdown is right for you — and how to avoid the common mistakes — this video will give you the knowledge you need.

I’m Lee, The Pensions Guy — your guide to financial planning, pensions, and smarter money decisions.
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