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Pensions are income streams guaranteed to employees upon their retirement. A Pension is a type of Defined Benefit Plan

You may not be vested in a pension if you lave too early, or you may have to accept a lower payout

Employees are not able to control investments in a Pension Fund, but you can control a few variables

In general, you can’t withdraw money from a Pension Plan before you retire

If the plan administrator allows it, you can make non-recurring (one-time) withdrawals from a pension fund

Generally this won’t be an option that your plan allows, but the IRS has approved it if the employer wants to

There is no guaranteed option to make lump-sum distributions from pension plans

We encourage you to be responsible and keep the future in mind. It's very easy to spend a lump sum right away

Enrolled actuaries must be used to establish the benefit formula. The amount of money you will receive (monthly) from

Your pension comes from your employer, and Social Security comes from the government. However, your tax liabilities might

Regular pension payments are periodic distributions. This will be the default option on pension arrangements

RMDs are withdrawals that are mandatory for an individual to take from an IRA or 401(k) after the person has reached 70 ½

A Defined Benefit Plan involves a promise made by your employer to pay you a monthly “benefit” for the rest of your life

Defined Benefit plans and Defined Contribution plans look similar, but the main difference is what is certain and defined

Employees have no control over the assets in their Defined Benefit plan. The short and simple answer is: No

While you are working for your employer, you typically may not withdraw money from your Defined Benefit Plan

Each Defined Benefit Plan has its own formula and therefore its own calculations. Strongly based on factors such as age

The Pension Benefit Guaranty Corporation will insure benefits up to a point, but it may not replace the full value

Any employer can offer a Defined Benefit plan, but not many do anymore. Most companies offer Defined Contribution Plans