You must draw all or some pension on flexible retirement and it can be made up as follows:
- all of the benefits that you built up before 1 April 2009, plus
- all, some or none of the benefits that you built up between 1 April 2009 and 31 March 2015, plus
- all, some or none of the benefits that you have built up after 1 April 2015.
If you only have benefits built up on or after 1 April 2009 you must draw all or some of them on flexible retirement. You cannot take none.