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Reply to "Inherited ex-husband's $200,000 pension - withdrawal strategy?"
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[quote=Anonymous][quote=Anonymous]3rd option - take the monthly pension payment in retirement - is the best if you are solely concerned about minimizing taxes. You won't pay much in federal taxes on $850/month when you are no longer working.[/quote] +1. The lump sum is almost certainly calculated as the actuarial equivalent (or less) than the monthly annuity. So if you think you can beat the actuary’s assumption for life expectancy, always take the annuity. And keep in mind the adjustment does not account for your gender, race, weight or health conditions—it’s based on national averages (maybe blue collar or white collar). If you think you can beat those, the annuity always makes more sense. Even if you don’t think you can beat them, the annuity may make more sense because your tax liability in retirement is likely to be lower.[/quote]
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