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@wildwest
You can not access your pension fund until you are atleast 55.
At which point you can take 25% tax free lump sum and usually you would use the rest to buy an annuity for retirement income.
You can cash it all out then but you will get tax ed at your marginal rate. Or you can draw down as and when needed.
There's is also various rules for people with various small pension pots. Which is common these days as job for life is rarer.