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： 

• 給7.5%很高了，我看到的一般是5到6%，這也是我為什麽估計是20萬到24萬。 -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

• 關鍵是賭壽命。活得久的winners take all:) -julie116- ♀ (0 bytes) () 12/20/2023 postreply 12:40:06

• 拿了是自己的，如果數額大，可以傳給下一代。不拿，就沒有傳代一說，就算配偶可拿，那個額度就會減少。 -hhtt- ♂ (0 bytes) () 12/20/2023 postreply 12:43:59

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

• 說一下我的公司的pension -neiman07- ♂ (604 bytes) () 12/20/2023 postreply 14:41:33

• 退休金有保險，但是沒有保證金額，公司一旦破產，還沒有聽說過那個公司拿回破產前的退休金金額的，都是減掉很多的。 -hhtt- ♂ (0 bytes) () 12/20/2023 postreply 17:03:06

• 公司做法是這樣的 -neiman07- ♂ (287 bytes) () 12/20/2023 postreply 18:13:02