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The common line that an IRP needs “six months of treatment plus 12.5% of wages” does not match the text. The 12.5% test belongs to DC plans; the general IRP article carries no such threshold. Articles 2, 14 and 18 of the Decree, side by side.

Habit in your 30s, accelerate in your 40s, review in your 50s, design withdrawals in your 60s.

Opening the Easy Law text tier by tier and overlaying the start ages: workplace and private pensions open first, the state pension a decade later.