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Should I take my pension as a lump sum or monthly payment?

In this video we will answer the question that many retirees face which is: Should I take my pension as a lump sum or monthly payment? Visit our site to download our retirement worksheet or you could also email [email protected] Retirement worksheet: http://advisor.investments/sites/defa... Should I take my pension as a lump sum or monthly payment? Tough choice and lots of variables. Let’s start with why someone would take the pension as a lump sum. You should consider taking your pension as a lump sum if you: • Are confronted with a heavy need for the cash upfront (example: have to pay for daughter or son’s wedding, have to pay off huge medical debt) • Are worried about the company or municipality going bankrupt and not being able to provide you with the money owed in the coming decades • Anticipate yourself having short life expectancy • Want to control your money • Want investment flexibility and responsibility • Want the option that money to go to your kids/grandkids • Need flexibility for other reasons not related to the above Now, it makes sense to take your pension as a monthly payment if you: • Want to protect you and your spouse from longevity risk • Need help to prevent excessive withdrawals • Don’t have a temperament that accepts investment fluctuation • Use a partial pension plus social security program that gives monthly fixed income enough so that you can invest the remaining retirement assets If you’d like to see specific scenarios that demonstrate the various monthly payment plan options (single life, joint life, etc.), please read a blog on our website called, “should I take my pension as lump sum or monthly payment (or both)?” You can access it on our website here: http://www.advisor.investments/blog/S... If you’re considering taking your pension as a lump sum or monthly payment, you also may be asking yourself how long you’ll have to wait to get your principal repaid to you. How long will it take to get your money back? This is called the breakeven and we cover that in our blog on our website called, “should I take my pension as lump sum or monthly payment (or both)?” You can access it on our website here: http://www.advisor.investments/blog/S... When trying to figure out whether you should take your pension as a lump sum or a monthly payment, there are so many options you should consider. Do the work yourself; don’t just follow what your coworker or a neighbor did. If you have some questions or want help with any of this, please email [email protected] Our associates are NOT affiliated, recommended, nor endorsed by ExxonMobil or any other company. Any documents and materials presented herein have NOT been reviewed or approved by ExxonMobil or any other company and may not be accurate representations of documents and materials published by ExxonMobil or any other company.