AM due to retire shortly and I have over €360,000 in a Complete Solutions Personal Plan with Irish Life. My wife and I will have a combined income of over €1,000 per week from other pensions. My concern is, what I should do with the money left in that €360,000 pension fund after I take the tax-free lump sum? If I agree to have any balance left in the pension fund (after the tax-free lump sum is drawn down) paid as an annual pension over the coming years, I assume that I will be taxed at the top rate of tax on that pension, as it would be in addition to other pension income which I have? So I am considering drawing down the full €360,000 as a lump sum instead, as I figure that I would face a less onerous tax While we will endeavour to place your questions with the most appropriate expert for your query, this column is not intended to replace professional advice.