Forbes contributors publish independent expert analyses and insights. I am passionate about pensions, recessions, IRAs and retirement. Recent changes by the IRS have perked up interest in companies ...

Deciding whether to take a $400,000 lump sum or monthly pension benefit of $2,000 requires calculating the relative value of each option. Generally speaking, the sooner you can receive the lump sum, ...

Buyout decisions have become increasingly common for those with a pension plan. If you get this offer, the most important questions to deal with include when you would you receive the payout, and how ...

Lump sum investing involves putting all available money into the market immediately. Historical data shows lump sum investing often leads to higher long-term balances. Diversifying investments is ...

Read this if you're thinking about retiring and taking the lump-sum option Clay Halton was a Business Editor at Investopedia and has been working in the finance publishing field for more than five ...

The decision of whether to take a lump sum or an annuity from your pension can be overwhelming. It’s a choice that significantly impacts your financial future, and there’s no one-size-fits-all answer.

As the legendary financier Bernard M. Baruch once said, "now is always the hardest time to invest." This is especially true for families who receive an influx of cash after selling their business or ...

3- For example, suppose you’re 54, expect to live to 80, and have the choice between a $75,000 lump sum today or $8,900 per year starting at age 60. In this case you would use the IRR function in ...

If you're fortunate enough to have a pension at work, make sure you make the most of it. Having enough income in retirement is a primary concern for everyone approaching the end of their careers.

As one approaches retirement, if you're lucky enough to be the beneficiary of a pension plan, there is often a big decision to make regarding choosing an annuity or taking a rollover of a lump sum ...

Lottery payments work in one of two ways: you get a lump sum or stream of annuity payments. Taxation varies by payout and can lower winnings by up to 50%. Winning the lottery would be a huge deal for ...