An occupational pension and ARF can combine to any amount in excess of 2/3rds of your final salary.
Also if you only have an ARF you can drawdown any amount of your choosing. This can be in excess of 2/3rds of your final salary.
You could if you wished drawdown your entire ARF in any year.
This thread also applies to most private sector pensions.
AVC information for pre 95 Public Sector employees.
Can these employees make AVCs ? Yes. They can make AVCs based on non pensionable wage payments and to make up for any shortfall if they don't have the full 40 years service at retirement age. They can also make AVCs to fund for the revenue allowed 100% surviving spouses pension. The public...
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