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Message: <blockquote data-quote="Oldfart" data-source="post: 2630815" data-attributes="member: 64407">When you are in your retirement years, going conservative has to be an option.  You don't want to risk another 2008 in the market.   My Traditional lump is barely 5 years worth of monthly payments.  If I draw my monthly for 10 years I basically double my lump.  I would hate to depend on the market to double my lump as I am drawing it down with withdrawals.  While 6% a return would be close to what you need to double your lump,  you have to remember you will be making withdrawals from your account during those years.  If you pull $2000 a month from that account, which is close to my monthly payment,  you would need to get a 17% return to double your lump in 10 years.</blockquote>