Please I need professional advice. My mum has been on programmed withdrawal with a PFA after her retirement for a while but recently mentioned that her colleagues have moved to annuity, which according to her, pays more. I have read a couple of articles on line but still need people who have experienced both. The programmed withdrawal runs on the platform of her PFA while the Life Annuity is from an insurance firm.

Please I need professional advice so she doesn't make a decision she'll regret. It's whether she stays with her programmed withdrawal or she moves to this life annuity.