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<i<In most cases I guess you can use the 4% SWR as a way to compare a lump sum vs a pension.

For example $25K *4% = $1K pension.

That's exactly how I've been "bean counting" it for 25 years. i.e: At this time, how much money would I need in order to pay myself what this pension is paying me under the terms of the pension? But it's a moving target since that is all I'm accounting for. At any time I calculate it it's at least a slightly different number and now that I am older and have had a heart attack I don't use 4% anymore, ha ha.

If the pension isn't COLA then I would think you'd have to say it is less valuable than a lump sum.

Maybe/ maybe not. As somebody has noted when you get a lump sum it's not really the whole lump sum and pension regs are different from "-guy wants to buy an annuity"- regs
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