+25 Is It Better To Take A Lump Sum Or Annuity Ideas. Web take all or some of your super out as a lump sum. At first glance the annuity may appear better, as $17,640 per year is equivalent to that $300,000 consistently generating an annual return of 5.9% ($17,640 ÷ $300,000 = 5.9%).

Web a lump sum allows you to collect all of your money at one time. Under the systematic withdrawal schedule, you have complete control. Private wealth management the situation as companies offer more defined contribution plans, employees are being increasingly called on to be more actively involved in the management of their retirement finances.