Giving up your defined-benefit pension isn’t so crazy

Those of us who don’t have defined-benefit (DB) pensions have long been envious of those who do. Imagine having a guaranteed income for life on retirement. A sum of money that will turn up every month forever, regardless of what you do or don’t do, and regardless of how long you live. A sum that will rise with inflation – so that your “real” retirement income never falls. And, of course, a sum that comes with guarantees for your dependants as well. If you die, they’ll keep getting the money. Knowing that you have all of this [...]

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