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For someone wishing to phase their retirement, they may consider partially crystallising their pension fund over a number of years to segment their retirement income. This can be done by purchasing annuities throughout retirement, depending on the required level of income. In this Bitesize video, we look at an example of how this could work, and how to calculate how much of the fund needs to be crystallised, based on the required income and annuity rate available. This could be useful to your revision if you are studying for a CII financial services pension-related exam, especially RO4. But it could also be a useful reminder to those studying for AF7, JO5, and AF5. For more help with your CII exam revision, visit our website: brandft.co.uk