Annuity income from a £75,000 pot — above average, but is it enough?

At £75,000 you're above the median DC pension pot for most age groups. A single life level annuity at 65 might produce around £4,800-£5,200 per year — roughly £420 per month. Combined with the full state pension, that's a total income of approximately £16,500, comfortably above the PLSA minimum standard. An RPI-linked annuity at this pot size starts significantly lower — perhaps £3,000-£3,400 — but rises each year with inflation, which matters enormously over a 20-30 year retirement. The trade-off is clear: a level annuity feels better today but loses purchasing power every year. At £75,000, many advisers suggest splitting the pot — taking 25% tax-free cash (£18,750) and annuitising the remaining £56,250 — to get both a lump sum for immediate needs and guaranteed ongoing income.