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Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

The value of the tax benefits of your pension depends on your individual circumstances. Tax rules and circumstances may change in the future.

High levels of pension encashments or income may not be sustainable and in some cases could reduce the value of your pension to zero. You should consider the impact this might have on your income in retirement.