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The Decumulation Dilemma: Deciding Between a Lump Sum vs. an Annuity
MetLife 
Feb. 10, 2026 32 pages. "Retirees who received a lump sum report an average balance of around $100,000.... The pace of depletion has accelerated over time: in 2017, retirees who depleted their lump sum did so in 5½ years, on average; by 2022, that timeframe had shortened to 5 years; and, today, lump sums are being depleted in just 4½ years. This rapid drawdown leaves many retirees vulnerable, especially given that those with remaining funds estimate they have only 11 years of money left on average -- far short of the 20-plus years many will spend in retirement" MORE >> |
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