Fixed

[Alan24]

Ive recently discovered that after taking a fixed term DC pension the future option of taking a tax free element is no longer an option although only a part of the pension is being used (crystalised).

[TallInvestor]

Assuming that you mean you have taken a fixed term annuity with some of your DC pension, then the remaining uncrystalised part of the pension will still allow you to take a tax-free lump sum when you crystalise it. You may have been poorly advised.

[TallInvestor]

Further to my previous post, if I assumed wrong and you meant that you had crystalised your entire DC pension to buy an annuity, then you could (should) have taken the tax free cash at the time. If you chose not to, then you are correct that it is no longer an option.

Or maybe you meant something else entirely?

[Alan24]

That what Î could not understand. As im only asking for a three year application why would the whole pension be included.