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The_Seldom_Killer
@Aldersbrook
So I have recently left my (first) job of 10 years and I am looking to cash the money in. My previous employer has been paying 10pct of my net salary in the pension and on the policy it says that employee contribution is optional. I have never personally made any contribution (unless there was a default one) such as salary/bonus sacrifice. So I am not sure if I personally contributed at all or if all the money is 100pct company’s contribution? HRMC states that if yhe company contribute more than the total required the employee can contribute less...if my pension is 100pct emloyer contribution (if that is even possible), does this mean I cannot cash in any of the money as of today?