Finance
Pension Lump Sum vs Annuity Calculator
Compare a one-time lump sum to a monthly annuity over your expected lifespan.
Better choice
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- Annuity total
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- Lump grown
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- Break-even age
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FAQ
What return should I assume? +
5-7% is reasonable for a balanced portfolio. The lump only wins if you actually invest it.
Annuity safety? +
PBGC backstops most private pensions up to a limit. Read your plans funding ratio before deciding.