Commutation or no commutation should be decided more by your future likely requirements and not by just gut feeling or just because what your friend is doing. If you’re likely to need bulk money in future – children’s major educational requirements or marriage, house construction or major house renovation, desire to travel extensively, wanting to pay off big loans earliest etc – you may need to commute. Remember, you can commute anything between 0 – 50%. However, if you’re likely to need more monthly income in addition to pension rather than bulk, maybe you need lesser or no commutation. In the latter case, you can even commute and invest the bulk amount efficiently to get the monthly income that you need in a more tax-efficient manner. You may like to read more on this on our blog at the link: https://humfauji.in/?s=COMMUTATION
