Estimated Grand Prize $2.04 Billion vs Cash Value $997.6 Million PV of a 30-year annuity is about $130m at around 5.2% The question is can you beat that 5.2%

Estimated Grand Prize $2.04 Billion vs Cash Value $997.6 Million PV of a 30-year annuity is about $130m at around 5.2% The question is can you beat that 5.2% return on your own? If so, then take the lump sum. The long-term (80+ years) annualized S&P 500 return is somewhere north of 8%, if you trust the market. So one idea would be simply to invest the lump sum in the S&P... No brainer way to do better.