55 and considering treating myself:

Nick9967

Marcon said:

Nick9967 said:

Linton said:

To answer the second question:

Any money you pay into the pot is added to the uncrystalised part.
Legally there are no restrictions to adding money to the pot except for those that apply generally.  WHether your pension provider can do what you want is another matter.  Old schemes probably cannot, so you may have to transfer the money elsewhere which could cause some hassle if it is an employer scheme.

thats key for me thanks , so any growth and any newness goes into uncrystalised and attracts 25% tax free no matter what , its my own pot not connect to an employer so in theory can do what i like i think

No - you can do what the terms of your pension plan permit you to do.

not sure i agree with that, if the they don't do what i want i am free to move to someone who will  do i what i need, i.e. no true restrictions ? as far as i can see at least, i stand to be corrected but that's my understanding 

wjr4

Nick9967 said:

wjr4 said:

Have you got any other pensions? 

Yes i have alternative income routes , in real terms that 200k only has to last me 20 years of drawdown at between 12-15k pa some of which will take me over my personal allowance threshold so will be paying tax on part.

I’m unsure what you’re basing these figures on. 

NedS

Nick9967 said:

Marcon said:

Nick9967 said:

Linton said:

To answer the second question:

Any money you pay into the pot is added to the uncrystalised part.
Legally there are no restrictions to adding money to the pot except for those that apply generally.  WHether your pension provider can do what you want is another matter.  Old schemes probably cannot, so you may have to transfer the money elsewhere which could cause some hassle if it is an employer scheme.

thats key for me thanks , so any growth and any newness goes into uncrystalised and attracts 25% tax free no matter what , its my own pot not connect to an employer so in theory can do what i like i think

No - you can do what the terms of your pension plan permit you to do.

not sure i agree with that, if the they don't do what i want i am free to move to someone who will  do i what i need, i.e. no true restrictions ? as far as i can see at least, i stand to be corrected but that's my understanding 

Yes. Not all providers offer all options, so if there is an option that your provider does not offer, you can transfer your pension to another provider who does offer the option you want.

@Macron's point was that if you stay with your current provider, you can only do what your current provider allows or provides for within their scheme rules.