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  Topic: lump sum vs annuity
pdx13

Replies: 18
Views: 61287

Post image iconForum: Retirement Planning   Posted: Mon Sep 16, 2013 11:06 pm   Subject: lump sum vs annuity
We are in primarily low cost index funds. Would blue chip dividend stocks be a more conservative option?
  Topic: lump sum vs annuity
pdx13

Replies: 18
Views: 61287

Post image iconForum: Retirement Planning   Posted: Mon Sep 16, 2013 12:30 am   Subject: lump sum vs annuity
Thank you all again. This is very helpful to me.
  Topic: lump sum vs annuity
pdx13

Replies: 18
Views: 61287

Post image iconForum: Retirement Planning   Posted: Sun Sep 15, 2013 7:46 pm   Subject: lump sum vs annuity
We can tolerate rewsonable risk. On the other hand I dont think the spreadsheets take into account the 2 or 2.5% COLA. I habe a sizeable amount of our retirement money in index funds now. We have pro ...
  Topic: lump sum vs annuity
pdx13

Replies: 18
Views: 61287

Post image iconForum: Retirement Planning   Posted: Sun Sep 15, 2013 5:38 am   Subject: lump sum vs annuity
Thanks very much. How many years does it take to break even assuming a 2% cola? And dont taxes come into play if we are taking the annuity rather than just investing the whole lump sum ?
  Topic: lump sum vs annuity
pdx13

Replies: 18
Views: 61287

Post image iconForum: Retirement Planning   Posted: Sun Sep 15, 2013 2:29 am   Subject: lump sum vs annuity
My wife has option of taking $950k lump sum or half of that plus guaranteed monthly payment of $3300/mo plus 2.5% cola for remainder of our lives. I am 63 and she is 58. We dont need this money as my ...
 
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