Hi Andy cheers for that - its a private pension from a company I used to work for in the UK it's not much - about $6 k a year but I wasn't sure why I have been told I can receive this annual payment at age 55 when over here in Aus you apparently can't draw it out until 60 Is that right? This is also complicated by the fact I'm now on a small disability pension ( because my other half works the disability pension is minimal) so I presume the disability pension will be reduced by the amount I receive in pension payments - if I can draw on it that is?