Forgive me if this is a naive question. I have a works pension and I also contribute to AVCs. I understand that in 2006 I will be able to take 25% of my "total pension pot" as a lump sum. Does this mean I must take 25% from each or can I opt to take all of my AVCs plus whatever amount I need to top up the 25% from my works pension. I suspect it is the former rather than the latter.
Thanks