My job is offering me a payout. Should I take a $61,000 lump sum — or $355 a month for life? ... If you took that lump sum at age 65, you’d have roughly $122,000 at 72 and $244,000 at 79.

Getting the lump sum payout sooner increases the lump sum's value, while […] The post Should I Take a $200,000 Lump Sum or $915 Monthly Payments for a Pension Annuity? appeared first on ...

If either of them lived another 30 years and they invested the $800,000 lump-sum, the IRA would have to earn a 4.65% rate of return to produce the same $50,000 of income the fixed payment option ...

There is no question that deciding between taking a pension annuity versus a lump sum can feel overwhelming, ... If you divide the cash payout versus the monthly pension, or $50,000 divided by $ ...

If Lester takes the lump sum, he’ll need to have the investment know-how and discipline to make the most of that one-time payout. With a monthly income of $455, it would take about 13 years to ...

Lump-sum payouts are taxed all at once and can push you into a higher tax bracket. With other options, a portion of each payment is taxed as ordinary income, depending on how the annuity was funded.