thank you all, I just

thank you all.  FYI our company does not have inflation adjustment

I just found out there is a 6% rule. Here is: a monthly pension of $1,000 (beginning at age 65) or a lump sum offer of $160,000. If you annualize the monthly payment ($12,000) and divide it by $160,000, you get 7.5%—which is the return you’d need to earn every year (on your lump sum payment) to match the value of the monthly payment offer. As S&P returns averaged under 7% from 2000-2021, earning an annual average of 7.5% is perhaps a daunting task.

所有跟帖： 

• 给7.5%很高了，我看到的一般是5到6%，这也是我为什么估计是20万到24万。 -hhtt- ♂ (0 bytes) () 12/20/2023 postreply 12:37:18

• would please read my reply to A-Mao? -meowi- ♀ (0 bytes) () 12/20/2023 postreply 12:50:32

• 关键是赌寿命。活得久的winners take all:) -julie116- ♀ (0 bytes) () 12/20/2023 postreply 12:40:06

• 拿了是自己的，如果数额大，可以传给下一代。不拿，就没有传代一说，就算配偶可拿，那个额度就会减少。 -hhtt- ♂ (0 bytes) () 12/20/2023 postreply 12:43:59

• 不大。开始太晚了。 -julie116- ♀ (0 bytes) () 12/20/2023 postreply 12:47:26

• 说一下我的公司的pension -neiman07- ♂ (604 bytes) () 12/20/2023 postreply 14:41:33

• 退休金有保险，但是没有保证金额，公司一旦破产，还没有听说过那个公司拿回破产前的退休金金额的，都是减掉很多的。 -hhtt- ♂ (0 bytes) () 12/20/2023 postreply 17:03:06

• 公司做法是这样的 -neiman07- ♂ (287 bytes) () 12/20/2023 postreply 18:13:02