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For a similar individual living in private rented housing in an area where rents are high, the difference is even starker. In London's Hackney, the local housing allowance for a one-bedroom property, which is the maximum amount that will be paid in housing benefit, is pounds 254 a week. If someone uses pounds 30,000 to buy a weekly annuity of pounds 27.27 as above, his total weekly income, including pension credit, housing benefit and council tax reduction, will be pounds 427. If he takes his whole pension pot as a lump sum, his weekly income will remain at pounds 120 - a reduction of pounds 307 a week. His income will increase to pounds 415 when his savings drop to pounds 10,000. If he decides instead to take the whole pot as a lump sum, he will get pension credit of pounds 6.90 a week, but no housing benefit or council tax reduction, and his weekly income will be pounds 120 - a reduction of pounds 118. His investment income from the lump sum will provide only a fraction of this, and to maintain the same standard of living as he would have with the annuity, he will have to work his way through his savings. As his lump sum drops, his benefit entitlement will gradually increase. For example, when his savings have dropped to pounds 10,000, his total income, including pension credit, housing benefit and council tax reduction, will increase to pounds 226.

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