> You also ignoring the time value of money 100 million to day is worth more than 10 million for 10 years The lump sum is generally pretty close to what an ann

> You also ignoring the time value of money 100 million to day is worth more than 10 million for 10 years The lump sum is generally pretty close to what an annuity from a reputable company would cost, so the time value of money is already factored into it. Of course, you might prefer a riskier investment for higher returns, but that is really dependent on your risk tolerance, it's not a complete no-brainer to go with the lump sum.