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In fact there are some each year and they are 'lent' to the government to pay down the growing National Debt.
With withdrawal costing just 3 month's interest and the amount withdrawn this is about as good as it gets for cash in 2018.
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If someone put 100,000 in stocks and shares in 2015 and decided to cash in 4% per annum, after the initial fall the extra punch of shares exposure helped these pots recover when markets rallied by the end of the two years, to 105,475, so they would have done better than if they had bought an annuity (and would still have their capital intact).