My spouse is public sector and also has an AVC.
On retirement at 60 does she have to convert the AVC to an ARF at the same time or can she delay until later.
Thinking is that if equities are down at retirement she can wait for a recovery before taking her AVC tax free lump sum and converting to ARF.
On retirement at 60 does she have to convert the AVC to an ARF at the same time or can she delay until later.
Thinking is that if equities are down at retirement she can wait for a recovery before taking her AVC tax free lump sum and converting to ARF.