What is UFPLS on a pension?
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In short: Uncrystallised Funds Pension Lump Sum — taking ad hoc lump sums directly from uncrystallised pension funds. Each withdrawal is 25% tax-free and 75% taxed as income.
Last reviewed:
Reviewed by Kaiser Khan
UFPLS suits one-off needs without setting up a full drawdown plan.
Taking taxable UFPLS flexibly can trigger the Money Purchase Annual Allowance.
See pension crystallisation guide for alternatives.
Primary source: gov.uk/tax-on-your-private-pension/what-you-can-do-with-your-private-pension-pot
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