for Oldchap, from anotherYes, certainly, you get the same answer if (1) you total all your tax-deferred accounts and divide by the IRS required divisor for your age or (2) you divide the value of each tax-deferred account by that divisor and add up the results. You can read IRS Publication 590 at http://www.irs.ustreas.gov/forms_pubs/pubs/p590toc.htmTake care,Chips
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