What would you do with the money?

[6andcounting]

Taking the lump sum is always the wiser investment. At 4% return, your initial investment would be doubled in value after 18 years and triple after 30. That's just half of the lump sum you actually received invested in safe, low payout investments, and the one-half alone in 30 years would still be worth more than all 30 payments combined.

At 7% return, investments are doubled in about 10 years and tripled in about 17.

At 10%, it's 7.2 and 11.8 years respectively.