Any way to access my entire pension pot in my 30s?

Brynsam

JoeCrystal wrote: »

Nope. Not until you are 55. Unless you are diagnosed with a terminal illness with less than 12 months to live.

Doesn't have to be terminal - depending on the rules of the scheme, it may be possible to access the pension pot before age 55 if you are deemed too ill to work again. A bad back is highly unlikely to qualify.

Freecall

Why not use it as the starting point for making contributions in order to build your nest-egg.

You may not have any free cash at present but when the time comes you will find that starting from £0 is hard.

A nice little starter will make adding extra when you can that much easier to do.

Who knows, you may even end up as an habitual saver!

Marcon

Zanderman wrote: »

So, go ahead and ask your employer:

• can you opt out and get your contributions back (minus the tax relief)
• would the employers contributions be given to you too (which will also, I assume, have been increased by tax relief, which you won't get back) No. Employer contributions are never given to the member when the member is eligible for a refund of contributions - and no, employer contributions aren't increased by tax relief. Employer contributions are made gross (and offset against Corporation Tax)
• what would be the total value be

Please see above, clarifying the position on employer contributions to any pension arrangement, not just this one.

Andrew31

Every Little Helps :rotfl: