如何计算Pension Lump Sum
learn.whatIsHeading
Evaluates lump sum pension settlements versus lifetime monthly payments accounting for life expectancy and returns.
公式
PV of Annuity = PMT * [(1 - (1+r)^-n) / r]
分步指南
- 1Enter monthly pension payment amount
- 2Input discount rate (expected return) and life expectancy
- 3Compare lump sum to annuity present value
例题解析
输入
$2,000/month pension, age 65, 3% discount rate, 25-year life expectancy
结果
Lump sum equivalent ≈ $530,000
Pension decision analysis
常见错误注意事项
- ✕Not considering inflation over time
- ✕Underestimating life expectancy
准备好计算了吗？尝试免费的 Pension Lump Sum 计算器
自己尝试一下 →