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re: Pension or Lump Sum?
Posted on 11/14/18 at 1:24 pm to Enadious
Posted on 11/14/18 at 1:24 pm to Enadious
quote:
Okay, you take the bird in hand that could correct by 33% (like in 2008) over a sure 60K no matter what?
Given your age, if you had a pro handle the money for you I doubt they would expose you to that much volatility. They would probably set you up in a fairly conservative portfolio designed to produce usable monthly income for you.
IMO, you invest with risk before you retire. When your retire, that is when you divest from the risk because you are no longer in building mode.
Every situation is different and if you don't "need" the money, the more risky portfolios might still be a good option.
Figure out what person or entity you would use to manage this for you if you choose the lump sum and listen to their preliminary plan suggestion. Then make a choice.
This post was edited on 11/14/18 at 1:29 pm
1
Posted on 11/14/18 at 6:31 pm to notsince98
quote:
IMO, you invest with risk before you retire. When your retire, that is when you divest from the risk because you are no longer in building mode.
This is the conventional approach. But if you invest too conservatively in retirement, you run the risk that your savings are outpaced by inflation and, depending on your spending habits, you may outlive your savings.
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