I am about to take advantage of an early retirement "package". I am 55 and will continue to work hopefully for another 5 to 10 years at another company. My question is should I take my pension in a monthly payout starting now,or just take a lump sum and invest it foolishly for another 10 years. Some one said to start taking the monthly payments as you never make up the difference and you don't know how long you may live. I was going to take the lump sum and invest. What do you think?