How to Retire Early and Pay Less Tax in the UK

If you're making tax efficient investing plans, you don't have to wait till 68. But here's the question you ask. Do I have to wait till 68? No. If you're making tax efficient investing plans, you don't have to wait till 68. He has a sip, a self invested personal pension that he can actually put money in. And then he invested into the stock market at 55. Or if he's taking it after 2028 at 57, he can decide, you know what, I want to retire now, I to cut down. And he can assess his SIP at that age. That's his pension, he can assess it. I can draw down 25% of it tax free and then the rest of it is taxed like income. And basically that seems like a no brainer to me. So rather than pay capital gains tax now, the government is going to contribute to my future by allowing me to keep all the money, allow it to compound in the stock market, allow me to invest it myself, allow me to invest it in commercial real estate or stock, stocks and bonds. And it grows. And by the time I'm hitting basically 55, 57, I want to draw it out. The government will not tax me at capital gains, they will tax me as income. The implication of that is that if I withdraw only 12,570 in a whole tax year because I have other income, the only tax I'm going to have to pay is zero pounds.