Any thoughts on taking my DB pension early? My employer pension is stable so there are no issues there. I am aware of the tax implications, ie splitting etc. I am 58. I can take full DB pension at age 62. I do not need the money until age 62 but I am working on a plan that we see me start withdrawing 2-2 1/2 years early. The penalty is 5 percent/year. The DB plan has no inflation or COLA provision. I no longer work for this company. I view taking the DB early as a way to get some of that 'commuted value' without actually going whole hog. Any insights...is the 5 point penalty overshadowed by getting the money early and pension splitting with my spouse. Thanks for your insights.