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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.

The pension will end with the death of the person (or sometimes after the death of the couple). The lump sum could either run out if the market tanks for the long term or could leave money behind for the heirs.

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

Any other quick estimate to do a comparison between the two?

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