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I’m in the process of doing this. I think it makes sense. Taking the lump sum and investing it will give you enough of a growth to get to the same value that leaving it will give you. But if you die before you can actually start benefitting from it as a monthly payment in retirement… you don’t get shit. My logic was .. why wouldn’t anyone just take the lump sum and control their own destiny. It’s not like leaving with ey comes with an unbeatable growth promise. Also, talk to a financial planner. I believe ey provides one. I didn’t use them. I have my own.