Should I Take a Lump Sum or Monthly Pension Payments? | How to Decide

Imagine this: you’re plugging away at work at the job you’ve held for years, and all of a sudden someone from the company approaches you with an offer. What’s on the table? Your retirement. The offer? A one-time payout of money or an ongoing monthly stream of income.

Increasingly, companies are offering this type of buyout as a way to reduce their future pension obligations. For employers, the long view is that the impact of pension plans on the company’s financials will be reduced. For employees, this business strategy translates into a trade-off: lots of money today or a more modest amount over time.

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Disclosure: This information is provided to you as a resource for informational purposes only. It is being presented without consideration of the investment objectives, risk tolerance or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk including the possible loss of principal. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.

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