Can everyone make this retirement choice?

Yes, but after the lump-sum payment is made, your old-age pension must remain higher than €632.63 gross per year (2026 amount). You also cannot combine this pension option with the high-low pension option. High-low means that you receive a higher benefit during the first few years of your retirement and a lower benefit in the years that follow. If you have a DC lump sum, you can opt for a lump-sum payment when purchasing your pension from the insurer.

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