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Before I retired, 20 years ago, I was visited by a representative of the company pension scheme to see what I wanted to do. I asked her if I should take a lump sum and a smaller pension. She said she wasn't authorised to advise, but did so in a roundabout way. She said that her father had retired a few years ago and didn't regret taking his full pension and no cash. I made the same decision and certainly don't regret it. Guaranteed cash in the bank every month and not having investment decisions works for me.
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