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Model flexi-access drawdown: how long does your pot last at your chosen income?
Money Purchase Annual Allowance drops future contributions to £10,000/yr once flexi-access drawdown starts.
Each year: balance = balance × (1 + return) − withdrawal. Stops when balance ≤ 0 or 60 years reached. Beyond 25% tax-free portion, drawdowns are taxed as income.
No — these are projections that assume your inputs hold. Real markets and life are variable.
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
Immediately. The single biggest variable in retirement success is years of compounding.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026