Thanks.
So, I could withdraw more than the 4% each year from the ARF i.e just enough to keep me out of the tax net until I reach the O.A.P age and then reduce it to the 4% minimum if necessary to avoid having to pay tax on it.
The minimum amount is 4% compulsory in the ARF and your saying this can be higher - how much higher ? It's not mandatory to take anything from the AMRF. is that correct ?
You can draw out any amount you wish but subject to meeting the minimum drawdown requirement - 4% from 2015. So yes you could draw out enough to keep your income below the exemption threshold and then revise the amount of drawdown when you become entitled to the State Pension.
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