Hi GF, it sounds as though you are in a very similar position as me regarding your SIPP. Are you aware that the lifetime allowance is dropping to £1.5 million in April, but you can fix it at the current £1.8 million if you apply to HMRC before 5 April? You will lose the fixed protection if you make any further payments into any pension though.

Details are here:

http://www.hmrc.gov.uk/pensionschemes/lifetime-allowance/sav...

HRP