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Evaluates lump sum pension settlements versus lifetime monthly payments accounting for life expectancy and returns.
Formel
PV of Annuity = PMT * [(1 - (1+r)^-n) / r]
Trinn-for-trinn guide
- 1Enter monthly pension payment amount
- 2Input discount rate (expected return) and life expectancy
- 3Compare lump sum to annuity present value
Løste eksempler
Inndata
$2,000/month pension, age 65, 3% discount rate, 25-year life expectancy
Resultat
Lump sum equivalent ≈ $530,000
Pension decision analysis
Vanlige feil å unngå
- ✕Not considering inflation over time
- ✕Underestimating life expectancy
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