thank you. i dont have a financial background so i will see a broker this week. in the meantime any information would be appreciated. (1) i assume i wont be able to draw on the funds until age 65 as theyare administered in conjunction with the main plan. (2) i paid into a company pension for 20 years. no early retirement accepted at this time. (3) low risk. (4) i dont understand. (5) the management charge is 0.75%p.a. i havent checked other companies. (6) there are 6 options ranging from technology, high risk, through multi asset medium, to cash low risk. the company supplied the application form for the buy out bond. if i use a financial broker will there be a further charge?.