<prompt> Human: Hi all, my old job is offering a full prepayment of pension.If I wait until Im 65 to reap the benefits, they are saying they will pay 10.49month until death. I called them and they said that if the market does well that number may increase a bit.Otherwise I can take 2500, one time payment, now.Its a no-brainer to take the money now, right?  <response>: No brainer, take it, invest it. 