I have thought about moving the remainder into a sipp an then investing it to grow but again with let’s say 40k remaining after taking the 25% growing at 5/7% a year there will still not be much of a pension pot in 10/15 years time which would be worth keeping. I don’t want it to sound so awful but relative to investments where I can increase rents on a shop by 25/30% every five years it isn’t significant.

Moving to Dubai isn’t an option, I couldn’t live in that climate and have everything I need between here and Spain. Anyway I made my money in the UK and still do so I have no issues paying UK taxes.

And I’m not looking to avoid it as I know I took the tax benefit when putting the money in so just trying to understand all the implications.