conversation: User (nickyoung1982): "I am a bit unsure of what to do with a small pension from a previous retirement plan before they switched us to a 401k.  It's a little under $5,000 earning 5% per year.  Estimated retirement lump sump payment is around $17,000, or $151 per month from age 65 till death. The pension fund is only 77% funded, 900k short of being able to cover all benefits currently.\n\nShould I roll this to an IRA or leave it and collect benefits when I retire? Is their a chance the pension would offer me a buyout to get me off the fund by offering something between my current 5k and the predicted 17k lump sum I should have at retirement?"
  Self: "5% per year guaranteed is a great return. Leave it alone and treat it as part of your bond allocation. \n\nJust don’t lose track of it. Make sure you have the login details written down for the account, and the beneficiaries are up to date. "
  User (nickyoung1982): "Thank you for the advice "
  