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    Pension v Monthly Benefit at Electric Utility

    @ironhold A good way to evaluate a pension is to use the PV (present value) formula in Excel or Sheets. At 67 your life expectancy is 18 years (85) according to social security. If you use a 5% discount rate--fairly standard for these types of calculations--the present value at age 67 is about...
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    Portfolio advice, unsure if rebalancing and realizing gains is needed

    @vanquy3009 The capital gains may not be as much as you think. With the inheritance you get a step up in basis, explained here...
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