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Q-and-A With Jonathan D. Pond: Annuities and Retirement Saving

The company I work for is stopping their defined benefit retirement plan and the payout will be this October. The options are either a lump sum settlement or an annuity. I know there are advantages and disadvantages to both options. An annuity, even with a "safe company," may disappear if the company goes out of business, as some have done recently. I have over 30 years in this plan, and I need to make an informed decision that will last me and my wife the next 30 years or more.  –Dan, GeorgiaBack to Article

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