I have a personal pension for the last thirty years funded by myself only. At age sixty onwards I can withdraw 25% but must buy a pension with the balance. The fund has about 90/100k in it hence after taking 25% the pension is very small. My preference would be to find a facility to withdraw the total amount out at age sixty onwards. I am with my current employer for thirity years plus but we dont have a company pension plan in place , that said they would consider setting up a one person plan for me provided it was legal. All advice appreciated - thanks.