A lump-sum payment is a monetary sum paid in one single payment ... rate of return associated with the annual payments. The ...

However, a lump sum payment can, sometimes ... with no inflation adjustments. Using Schwab’s pension calculator, you would need to invest your $150,000 at a 7.03% rate of return just to match ...

Often, the decision to take a pension annuity option over an available lump sum option rests on which ... historically pensions have used 4.5% to 7.5% to calculate their projection of benefits ...

which is the life expectancy Social Security’s calculator assigns to a 65-year-old male. In this situation, the monthly pension benefits total $208,620, slightly more than the $200,000 lump sum.

The tax-free pension lump sum is a key feature of retirement planning for millions of people who are budgeting for their future. If you are aged 55 or over, you are entitled to take up to 25pc of ...

Many choose to take out their Pension Commencement Lump Sum (PCLA) of up to 25%, which comes tax-free. But this isn’t always the best option. Below, Carina Chambers, technical pensions expert at ...