Hi I need advice: My job function is about to be made redundant (replaced by a computer) and the firm have offered a 'package' where I'll get a lump sum based on my years of service. Its not much, about 80k after 35 years. Im only 54 but would like to retire early and take a deferred pension - small that it is. However, I have about 150k in avcs but am told 'by colleagues' I cant access any of it (well 33% of it but will be taxed) until I reach 65. Is this correct? Thanks in advance.