Hi,I am over 50 and I am been giving the option due to changing jobs of transferring my pension pot of 31000 to another personal retirement bond.I could take 11000 now and an annuity of 456 annualy.My question is would I get a better deal from a personal retirement bond with this other company,transferring my 31000 to them for a few months and then take it out to retire,a bit confusing I Know,thanks