Bridge to state pension - ringfence funds in lower risk or just draw from overall pot?

mrklaw

https://forums.moneysavingexpert.com/discussion/comment/81963631#Comment_81963631

Have tried to as much as I can. had proper numbers late (they wouldn’t talk to me with real illustrations until I hit 55). The combination of indexing forwards then applying reductions confuses me a little - and then factor in nominal values trying to convert those to ‘real’. From what I think I’ve noted from the limited information, the reduciton is pretty reasonable - about 70% of normal retirement age if I take it 5 years early. And there is crossover where taking later becomes ‘better’ but thats in my early 80s and I don’t need the money then - even taking early, when we hit 75 our income is more than we need to spend so we’ll be saving 5k a year. So taking the DB early is more value for me as it gives me a floor covering more than half our essential spending. Wife’s DC hopefully covers the other half (we’ll move it into cash or buy a fixed annuity to cement it and remove volatility)