Take DC or DB first

WYSPECIAL

hemeloid said:

What you leave to dependents can influence decisions taken in this situation. To take the extreme example, if you spend the DC first, that would leave only potential dependents allowances from pensions when you die. If you take the DB first, then the value of the DC at time of death, as well as any dependents allowances would pass to dependents. 

There are obviously more important things to prioritise before this, like ensuring your pension income is providing a comfortable retirement, and I appreciate in the OPs current position this may not be a strong consideration, but it will be for others. 

Cheers that's exactly why I was interested in accessing DB first. It's great that it's a guaranteed income but I only need so much guaranteed income. To me the DC pots are real money that I have saved and if I don't need to use it can passed on