Cómo decidir entre cobrar tu pensión de beneficio definido como suma global (con rollover a una IRA) o como renta mensual vitalicia en 2026: tasas de interés, longevidad, protección del cónyuge, límites del PBGC, inflación, impuestos y edad de equilibrio.
Choosing between a pension lump sum (rolled into an IRA) and a monthly annuity in 2026: how interest rates, longevity, spousal protection, PBGC limits, inflation, rollover taxes, and break-even age should drive your once-and-done decision.
미국 확정급여형(DB) 퇴직연금에서 일시금(IRA 롤오버)과 종신연금(단생·부부형) 중 무엇을 고를까. 금리·수명·배우자 보호·PBGC·인플레이션·세금 롤오버·손익분기 나이까지, 후회 없는 결정 기준을 실전으로 정리합니다.
A practical 2026 guide to choosing between an annuity and a lump-sum payout on a pension buyout, 401(k), or lottery win. Walks through present value, longevity, taxes, inflation, and survivor benefits with worked examples and comparison tables.