Comments on: Lump Sum or Regular Disbursements from Pension? http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html personal finance blog with anecdotes, advice and commentary. Sun, 12 Feb 2012 23:30:41 +0000 hourly 1 By: Mike http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html/comment-page-1#comment-36195 Mike Sat, 28 Oct 2006 04:54:01 +0000 http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html#comment-36195 In comparing your options, be sure you understand whether or not the annuitized payments will adjust for inflation. (Apples Vs Oranges). Also, a male will get a larger annuity payment from the open market than a female due to the difference in life expectancies between the sexes. As I understand it, this differentiation is not allowed for pension benefit payments. Meaning that a male is more likely to do better with a lump sum distribution than is a female. In comparing your options, be sure you understand whether or not the annuitized payments will adjust for inflation. (Apples Vs Oranges).

Also, a male will get a larger annuity payment from the open market than a female due to the difference in life expectancies between the sexes. As I understand it, this differentiation is not allowed for pension benefit payments.

Meaning that a male is more likely to do better with a lump sum distribution than is a female.

]]> By: Bald Man http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html/comment-page-1#comment-10298 Bald Man Fri, 23 Jun 2006 13:39:05 +0000 http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html#comment-10298 The annuity option offered within a retirement plan is rarely the best choice, because the Plan Administrator is under no obligation to find the best deal. If you've got your heart set on an annuity, you're probably better off doing a rollover and shopping for one on your own. Or, just take installment payments from your 401(k) or IRA. You get periodic income, the balance of your money remains in the market, and you avoid the built in expense of a formal annuity. The annuity option offered within a retirement plan is rarely the best choice, because the Plan Administrator is under no obligation to find the best deal. If you’ve got your heart set on an annuity, you’re probably better off doing a rollover and shopping for one on your own. Or, just take installment payments from your 401(k) or IRA. You get periodic income, the balance of your money remains in the market, and you avoid the built in expense of a formal annuity.

]]> By: CK http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html/comment-page-1#comment-10294 CK Fri, 23 Jun 2006 12:49:51 +0000 http://www.bargaineering.com/articles/lump-sum-or-regular-disbursements-from-pension.html#comment-10294 Can you imagine the look on Walter's face when he heard this news? Can you imagine the look on Walter’s face when he heard this news?

]]>