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okay if youre in the florida retirement system you might wonder should i take the pension plan or the investment plan and what even is the difference well heres a very easy basic way to kind of figure out which one you should take the pension plan is your traditional pension you work 30 35 years and then they pay you out a monthly amount every single month for the rest of your life the pension plan is great if you plan on being retired for a long time if you plan on being retired for 30 35 40 years then it is a really good option now the downfall of that is if you passed away a year or two into retirement uh there are some spousal benefit options and there is one option that can go to your beneficiaries for 10 years after the day you retire but its very limited so if youre not in great health you might want to consider taking the investment plan because you can leave money to beneficiaries you can leave money to kids or whoever else also you might want to take the investment plan i
