When you take a lump-sum distribution, you have several options: take it as income, invest it and gradually withdraw money as you need it, or simply watch it grow.
SUGGESTION: Consult your tax professional regarding the tax implications of taking a lump-sum distribution. You may be eligible for favorable tax treatment in certain circumstances.
Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.