Q: Can I withdraw any portion of it before age 50?

A: If an employee retires before the age of 50 years in accordance with the terms and conditions of his employment, or as a result of physical or mental disability, he may withdraw a lump sum of money of not more than 25% of the amount in his Retirement Savings Account (RSA) , provided that such withdrawals shall only be made after six months of retirement and the retired employee does not secure another employment. The balance of 75% will be used to purchase an annuity from a life insurance company or to fund programmed withdrawals from the RSA.