Preparing for moving to withdrawals. Help to simplify, consolidate and avoid tax traps

kempiejon

If your needs are covered by DB and SP, there's a housing bought and unencumbered and no legacy intentions then you're all set. Might as well maximise tax efficiencies so taking to the next level from the SIPP each year and indulging yourself friends family or some philanthropy seems a nice position to be in.

One might take a view on those little holdings, sell off the sub 4% stuff to tidy up.

All monies extracted from the ISA are tax free.

There must be major duplication between those funds so perhaps a one hit global tracker would do largely the same job, you could then have play pot and some cash/bonds/metals on the side