I am planning to retire a year early so will have a small reduction in my teacher pension benefits. I paid into Pru AVCs over a period of about 8 years. My choices would be - a) Cash in the AVC total (avoiding 40% tax by staggering withdrawls), add it to my lump sump and purchase a buy-to-let property. b) Keep the AVC investment with the PRU (around £1600 per annum). If I decide on plan b) how best can I reinvest the lump sum?