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Brown Cafe UPS Forum
UPS Retirement Topics
UPS Special Pension Buyout Offer - December 2016
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<blockquote data-quote="ExFinanceGuy" data-source="post: 2385477" data-attributes="member: 64430"><p>Couple things here. First, you want interest rates to be as low as possible since they are using low rates to discount your future dollars. If interest rates were higher, you would get less of a buyout offer.</p><p></p><p>Second is taking the lump sum and investing it. May be an okay idea, but can you do it pre-tax with a rollover? Most stock purchase plans are after tax through one's paycheck. If you take the lump sum, you are losing out - if you are then faced with the IRS's 10% penalty, you have pretty luck lost the margin game. </p><p></p><p>Good luck, John</p></blockquote><p></p>
[QUOTE="ExFinanceGuy, post: 2385477, member: 64430"] Couple things here. First, you want interest rates to be as low as possible since they are using low rates to discount your future dollars. If interest rates were higher, you would get less of a buyout offer. Second is taking the lump sum and investing it. May be an okay idea, but can you do it pre-tax with a rollover? Most stock purchase plans are after tax through one's paycheck. If you take the lump sum, you are losing out - if you are then faced with the IRS's 10% penalty, you have pretty luck lost the margin game. Good luck, John [/QUOTE]
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UPS Special Pension Buyout Offer - December 2016
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