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Drawing Tax Efficient Income From PRSA or ARF In Your 50's

December 1, 2025

Paddy Delaney

This episode looks at practical ways to pull income from pensions without handing more to Revenue than you need to.You hear how rental income fits into the picture, how a non-earning partner’s tax band can save you money, and why timing matters when you’ve no salary coming in.The chat keeps circling back to one point. Your own setup dictates the smartest drawdown plan.

Takeaways

• You can pull income from pensions in a planned, tax-efficient way.

• Your personal position drives every decision. No two households look the same.

• Rental income changes the order in which you tap different pots.

• A partner with no taxable income can unlock unused standard-rate band.

• Taking modest amounts early can help you avoid chunky tax later.

• A quick yearly review keeps you from drifting into higher tax.

• State pensions may give you room to delay pension withdrawals.

• Mixing income sources often gives you steadier and cleaner results.

• Avoiding forced withdrawals in later life protects long-term value.

• You worked for it. You should enjoy it.

Disclaimer

The content of this site including blogs and podcasts is for information purposes only. Everybody’s financial situation is different and the content we share on our site and through podcasts may not be applicable to you. 

The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can’t be held responsible for the consequences if you pursue a course of action based on the information we share

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