DB Transfer query

dunstonh

martind68 said:

I am currently 54 years and hoping to retire at 55, my main pension is a DB one which I was planning to transfer, I also have a smaller DC one, my wife, same age, will be retiring at the same time, she'll have a reduced teachers pension and an old DC pension. My question is do we live off the DC pensions first, probably for 4 years at current spending and then look to transfer my DB and take the teachers pension, which would be deferred for 4 years?  Rather than transfer now, take the teachers pension and live off that plus the tax free lump sum for approx 6 years, whilst the remainder is invested? 

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