I apologize for posting this now If this has been discussed in the past. I'm in the middle of trying to decide between my 2 pension options - lump sum or monthly payments. I keep fluctuating from one to another. The annuity does not allow for inflation, so the amt. I get in 2011 is the same as 2022, so the buying potential is much less. But, it is a guaranteed payment. Or I can roll over the lump sum amount and hppefully invest it wisely and conservatively. Has anyone gone through the same madness?