Alaric wrote:If you had a totally separate SIPP for the £ 2880 contributions, presumably you could take 25% as a tax free cash sum at a time of your choosing. How it works if that SIPP has been consolidated with a earlier one where you have already taken the 25% isn't clear.
In my experience SIPP providers handle this situation ok, letting you have both crystallised and uncrystallised portions at the same time, with the ability to crystallise further bits as you choose.
The mechanics of how this is actually done, and how the two parts are presented to the account holder vary between providers.
Scott.