Once my client has invested in an Income Drawdown Product......

Answers: Fiona Tait - Scottish Life Once a client has crystallised (cashed in) their pension fund they may withdraw income immediately if they wish. Alternatively they choose to take PCLS only and then delay income until a future date. This is a very useful facility for those who might want to access a lump sum but who still have earnings. The amount of income that may be withdrawn is limited to 120% of the clients GAD annuity rate when applied to the crystallised fund value. This is turn is based on their age and sex and current interest rates. The amount of income taken is flexi...