Uncrystallised

Refers to pension savings you haven’t accessed yet in any way (so no lump sums, income etc).

It normally also means your money hasn’t been taxed yet. Whenever you take money from your pension pot, it’s worth being aware of the tax you’ll likely have to pay.

Look at the different ways you can take your pension – and make sure you understand the tax implications for each option.

We’re not authorised to give you advice, but you can read more about your guidance and advice options on our website.