I think you mean lump sum and spend. Why bother worrying if it grows or not? Biggest concern is spending it down to zero which would be difficult.Lump sum and invest.
Umm no. A few purchases of Genie+ should take care of most of it.Either way it is too much money to even think about spending.
Keep in mind that is income so you would get taxed on the annuity each year. Better to take the tax hit once at current rates.I’m still fairly young so I think I’d take the annuity because it will still be a crazy amount I would get every year.