It depends on the rate of return you can obtain. The chart in this Demonstration shows the growth of your winnings for investments of the lump sum and the annuity at different rates of return with optional pocket change withdrawn yearly over 30 years. The lump sum is approximately 55% of the grand prize. The annuity pays the grand prize over 30 years at a rate that increases by 4% every year. The calculations assume a 40% income tax for the winnings.