Quote Quoting adjusterjack
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I had the same option on two occasions and took the lump sum both times and rolled the money into my IRA.

For no other reason than I prefer having my money in my hands rather than somebody else's.
Taking the lump sum and rolling it into an IRA is not a bad idea at all, and little different than leaving it in the original retirement vehicle for many purposes. I have no problem with that.


I have a problem with someone neglecting to consider the tax ramifications in cashing out a lump sum and assuming they can do a better job of investing it.