You want the option to get your hands on some decent cash at 55... If it's final salary (DB scheme) you will have to start drawing the 75% taxable aswel as the 25% at the same time.
If you're in a (DC scheme) you can take 25% and do whatever with it, same as above, but the 75% bit can stay invested until you really need it. So, one option is stick the 25% tax free bit somewhere where you can get your hands on it and leave the rest invested.
DB schemes are often thought of as the better, gold plated pension, but I transferred mine out because of the greater flexibility on the DC scheme, personal pot.
I've pulled my 25% and now have premium bonds and isas which I can access anytime.
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