For retirees with a pension, few decisions feel heavier than this one:

Do you take the lump sum now, or the guaranteed monthly check for life?

It’s a permanent choice. Once you decide, there’s no rewind button. And the wrong decision can quietly cost tens — or even hundreds — of thousands of dollars over a lifetime.

That’s why many retirees freeze. The options feel impossible to compare.

Fortunately, there’s a simple framework that cuts through the complexity: the 6% Rule.

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Your 401(k) May Soon Be Government Property

Talk of digital assets and policy changes has some retirement savers uneasy. Find out what this claim is about — and what retirees should be paying attention to now.

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Fun Fact Of The Day

Many traditional pensions are valued using conservative assumptions, which is why some annuity options effectively offer returns that would be difficult to replicate with low-risk investments in today’s markets.