From: "BMS" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Lump Sum or Annuity
Date: 19 Oct 2003 13:30:01 GMT
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Get a good financial planner, somebody that is independent and will look at
your entire life plan.

To get a rough idea, take the amount of the lump sum, figure out your
expenses, also any other income sources (social security).

Go On-line and find a risk profile questionnaire and be real honest
answering the questions. Then when you know what kind of investor you are,
unless you have some significant other source you will probably come out
either being a conservative growth or needing the income type of investor.
Take the 25 year historical return and apply to the lump sum. If that return
meets or beats the annuity, then take the lump sum.

I would suggest you find a good fee based planner. If you are one those guys
getting the Verizon buy out or something like it you are being given at
least 4 different choices for combinations of pensions and lump sums. This
is one of those decisions you should get some objective, professional
advice.

Good luck.

"TooTall"  wrote in message
news:vp3ttr7hehb122@corp.supernews.com...
> I'm trying to decide whether to take a lump sum of 610K or 44K/yr annuity
> for retirement.  Any thoughts?
>
>