Early retirement pension queries


Thanks - all roads seem to point to this as the most flexible option so thanks for the advice. Presumably it would be best to convert the PRSA to an ARF prior to it automatically vesting at 75 as I think I read you cant make annual withdrawals from a vested PRSA ?
 
As a side note, have you made enquiries with the Rentenversicherung about claiming your German pension early at 64 with or without a penalty? I believe the long service rule to avoid an actuarial penalty for early retirement (40 years of contributions) should take account of contributions made in another EU state so it would be worth enquiring about if you are near the threshold.
 
Does this mean that currently the Op would get the age 65 payment even if the OP wasn’t working at ages 63-65? Is this because they are signing for credits ?
 
Does this mean that currently the Op would get the age 65 payment even if the OP wasn’t working at ages 63-65? Is this because they are signing for credits ?
They would need 39 paid contributions in the year of their 63rd birthday. See @S class at Post 12.
Sorry for any confusion.
 
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