Retirement Savings Distribution Options

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Executive Summary

Figuring out how to live off of your retirement savings is as much a personal issue as it is a financial decision. You have to come up with a strategy that will allow you to enjoy spending the money you've saved without constantly worrying that you're running through it too quickly. When you leave your job, you must decide whether to take the money in one lump sum, leave it in a retirement account, or annuitize it - that is, contract to have it paid out to you in regular installments. You can either have your company set up an installment plan, or you can buy an annuity. The number of variables involved in any strategy, however, is huge.

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