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Hi again.You may be able to access your £140,000 pension pot from April 2015 if the proposed changes around pensions legislation are enacted. It depends whether you are in a "defined contribution" or a "defined benefit" pension scheme. Holders of "defined contribution" pension funds will be able to withdraw all the cash, subject to tax. If you are in a defined contribution pension scheme, you should be able to take 25% tax free and if you took the balance all at once, you would pay some tax at 40% as your income for 2015/16 will be something life £140,000 (£35,000 + £105,000 (£140,000 - 35,000 tax free lump sum).You should consult your pension fund managers to determine what your optiions are as far as your fund is concerned. I hope this helps but let me know if you have any further questions.