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You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.  
Your home is at risk if you do not keep up the  payments on a mortgage
You should read our Annuity section first to have a clearer understanding about the problems with Annuities and have more than £100,000 in your pension fund, after taking the PCLS (tax free cash), before considering a Drawdown Annuity.
What is a Drawdown Annuity

Instead of giving your pension fund to an insurance company in exchange for an income,  (annuity) it is possible to leave the pension fund invested and take an “income” from the fund every year.

Why do that?

Mainly to defer the Annuity decision and have control over how and when you take the income from your pension fund. They are also the only way that any capital from your pension fund can be passed on to other family members albeit subject to tax.
If you die before your partner the fund can be used by your partner to carry on Drawdown or buy an annuity for themselves or if you have no partner or they have died before you the fund can be passed to the family subject to tax.

So Drawdown annuities offer a high income and great flexibility but they are not suitable for everybody, there are some huge BUT’s!

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THE ADVICE CENTRE - making sense of a complicated world