I will ask the company how will they calculate the lump sum amount. if they calculate using 6% or below or higher. and how many years they use to calculate. will the us treasury rate interfair the company's calculating rate? Right now they us 6%. but 3 year ago, they may used 1-2%? if that is the case, one should take lump sum when rates are low, vs take monthly when rates are high at time of retirement (company has no inflation protection ). I have not seen anyone mention treasury rate in the decision making process yet.
thanks now I understand a lot...
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• 現在,銀行和理財機構的annuity利息四大約4。5%計算的。 -A-mao- ♂ (462 bytes) () 12/20/2023 postreply 12:54:04