Can everyone make this retirement choice?

Yes, but after the lump sum is paid, your retirement pension must remain higher than €613.52 gross per year (amount 2025). Also, you cannot combine this pension choice with the choice for a high-low pension. High-low means that you receive a higher benefit in the first years of your pension and a lower benefit in the years after. If you have a DC capital, you can choose a lump sum from the insurer where you will purchase your pension.

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