u/Busy_Conversation537

I have enough money in my retirement accounts and 401ks I think for the rest of my life. My question is this should I take the lump sum for the pension or monthly payments. There is no Cola. My inclination is to take the lump sum and invest it whether it's stocks or bonds or whatever I think I could make at least 4% in a tax-free account. Probably could make six which would be the same as the monthly payment and not have to pay taxes on. What are your thoughts thank you