We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Withdrawing from my pension?

Hi all,

I'm not very bright when it comes to finance related issues, but here goes.

I have just resigned from my job. What happens to the pension that my employer and I have been contributing to? I believe I have accumulated a nice amount and wondered if I can get access to it.

I currently owe about £2k on a credit card. Could I use money from the pension to clear this whilst keeping the remainder in the pension?

Many thanks for any advice.

Cheers
Debt free May 2012 - but starting from scratch.

Comments

  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    No, unless you are 55 or over you cannot, a pension is for your retirement, its not a savings account.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • rawkinrich
    rawkinrich Posts: 75 Forumite
    Gutted. Thank-you
    Debt free May 2012 - but starting from scratch.
  • dunstonh
    dunstonh Posts: 120,279 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    rawkinrich wrote: »
    Gutted. Thank-you

    You wont be when you retire. Which is after all what pensions are for. Hence why they are called pensions.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.