I have a Pension fund of roughly €1m and I'm due to retire in mid 2018. I was made redundant a few years back and essentially have been living on savings plus a redundancy payment. I still have family and mortgage commitments. Problem is I'm going to run out of cash in coming months and I'm wondering about my options. Even though my retirement date is mid 2018 could I apply for this to be brought forward by maybe 6 months?Alternatively could I use a statement of benefits, including lump sum as security for a bank loan? Any advise greatly appreciated as this is now becoming a serious worry and I don't have much in the way of financial advise. Not sure if it's relevant but my Pension fund is managed by Irish Life.