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Ask your HR manager. They will have your company's actuary make that calculation for you Haven't you ever read Dilbert? The evil Catbert LIVES. :-) Seriously, the HR dept. was one of my reasons for leaving.

I thought of doing that, but the answer seems so clear that I figured I was missing something. Hypothetically, let's say a 37 yr. old could take $11,750 now or $275/month starting Nov 2028. I did an IRR inputting the $11750 as a negative and then 3300/month from age 65 to 100, and got a rate of 5.44%. If said subject (& wife) gets hit by a bus at age 80 it drops to 4.17, so it certainly appears our friend should take the money and run. My theory is at age 37, aggressive investments are suitable which should beat the 5.44%
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