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are 401k,s and ira,s the same as far as the IRS is concerned?my main concern is the minimum distribution parameters

I believe there are some differences.

In a 401k, you can elect out of taking your required min distribution if:

* you are still employeed
* your are not a 5% owner (by IRS definition)

I don't believe there's any way to "elect out" of taking the distribution for IRA's.

I'm sure another fool will elaborate on this subject further.
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