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  2. Worried about outliving your savings? 5 retirement withdrawal ...

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    Plus, taxable accounts don't penalize withdrawals before you're 59 1/2, making them a great option to tap into if you plan to retire early. Dig deeper: Tax breaks after 50 you might not know about. 3.

  3. Retirement spend-down - Wikipedia

    en.wikipedia.org/wiki/Retirement_spend-down

    In that scenario, a 4% withdrawal rate allowed the investor's funds to last 30 years. Historically, Bengen says closer to 7% is an average safe withdrawal rate and at other times withdrawal rates up to 13% have been feasible. [15] A 4% withdrawal rate is also one conclusion of the Trinity study (1998).

  4. This Secret IRS Loophole Lets You Reduce Your Retirement Taxes

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    When you want the money in your policy’s cash value, you can take tax-free withdrawals until you reach the amount of money you’ve paid in premiums, Fed Week adds. ... Find: Pension vs. 401(k) ...

  5. 401(k) withdrawal rules: What to know before cashing out ...

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    “The early withdrawal penalty amounts to an additional 10% federal tax on the distribution. As an example, if you are in the 24% tax bracket and you withdraw funds from your 401(k) early, you ...

  6. Lump sum payout vs. annuity from a pension: How to decide - AOL

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    Some pension plans offer a hybrid option that combines the benefits of both a lump sum and an annuity. For example, you might choose to take 30 percent of your pension as a lump sum and convert ...

  7. Income drawdown - Wikipedia

    en.wikipedia.org/wiki/Income_drawdown

    Uncrystalised Funds Pension Lump Sums or UFPLS, is an additional flexible way to take pension benefits. Rather than move the whole fund into a drawdown arrangement, ad-hoc lump sums can be taken from the pension. Any withdrawals will allow 25% to be taken tax free with the remaining 75% of the fund treated as taxable income.

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