Hi. I worked for a major bank for 31 years and left on voluntary redundancy 5 years ago. 2 years ago I got back in as a contractor, and there have been no further pension contributions. My preserved pension is worth 30k a year, payable at 60. I'm currently 53. My contracting savings are currently 70k, sitting in a business account. I have until the end of the year to start dispersing this money. Any advice on what the best option would be? I am married, with no kids. Mortgage paid. My wife earns very little. Can I open an ARF payable in my 50s sometime? I'm just conscious that my contracting may dry up?