It rather depends on when the option to take a lump sum arrives.
It is extremely likely to be at the point you can claim the pension. Thus at that point you don’t have a pension far less a frozen one. If that option were available from April this year it represents just over six and a half years of pension payments .
It is irrelevant if you have other income you will be loosing over ฿500,000 per year. I don’t know anyone who has the slightest grasp of math, however much income they may have, who would think that doing that is a good idea.
The only people for whom it could make sense are those who are virtually certain that they will die in less than 6 years from being able to claim their pension
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