We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

How do retirees plan tax around SIPP withdrawals?

older_and_no_wiser · 2025-08-13 17:58:36

I recently retired early at 56 and got all my savings/pensions in order. I operate a cash ladder type strategy for the early years. ie I am holding around 4 years of living expenses in high interest easy access savings, fixed term bonds of varying duration and dividend paying ETFs/stocks. I also have global index stock…

Comments

Albermarle Posts: 29,210 Forumite

15 August at 11:53AM

older_and_no_wiser said:

Dazed_and_C0nfused said:

You seem to be overlooking all the taxable income that can be taxed at 0%.

Sorry, I'm not sure what taxable income is taxed at 0%? Are you referring to the £12,750 starting tax rate?

In the world of taxation, there is a difference between non taxable income, and income taxed at 0%.

0