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Personal investment plan withdrawals

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I am needing to withdraw a sizeable chunk of money out of a Halifax Bank of Scotland plan this is the second time I have taken money out the first was only about a third of what I need now that was 2 years ago. The problem is all the options there are 4 to choose I realise this will have an impact on tax. The last time I think I choose the first option which was cash in whole segments but now I am not sure if this might be the best options as some of the other options tell me (I think)that they take part of segments it really is double Dutch to me.I was wondering if anyone has any knowledge that may help me or even simplify it for me regarding tax etc.I am a single retired person that receives 2 work related pensions plus my old age pension and my income from these is still a way short of the higher tax banding which I think is £43000 here in Scotland. Many thanks to anyone that can help.

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