How Rising Interest Rates Should Impact Your Pension Decision (Lump Sum vs Annuity)

from Ready For Retirement · host James Conole, CFP®

How can rising interest rates impact your pension value?In this week's episode, we analyze a real-life scenario from our listener, Mark, who is weighing the pros and cons of an early retirement, a higher lump sum, or a commit to an annuity. Learn how to calculate the imputed returns of an income annuity and how to determine if taking the lump sum and investing it would be the better option. Questions Answered:What considerations and calculations can be used to decide between a lump sum payout or an annuity?Are you working against yourself by continuing to work?Timestamps:0:00 Intro2:40 Mark's question4:24 Unpacking it7:38 Don't do your analysis this way14:09 Here's how to do your analysis18:54 Risk19:58 Planning20:50 Takeaway24:47 OutroCreate Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

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Frequently Asked Questions

How long is this episode of Ready For Retirement?

This episode is 26 minutes long.

When was this Ready For Retirement episode published?

This episode was published on August 22, 2023.

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Is there a transcript available for this episode?

Yes, a full transcript is available for this episode. You can read the complete transcript on the episode page.

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