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I am taking my pension and rolling it over to an self directed IRA when I leave my current employer next month. If I take it before year end, they will use 5.72% as the rate which was the 30 yr treasury note last August..If I delay taking it until January 2002, they will use the 30 year treasury note this August, which will probably be lower than 5.72% which will mean my pension in dollars will be higher. But, they will freeze the account until the January disbursement which means it will not earn any interest for 3 mos. The amount is approx 42k. Would I be better off just taking this year or delaying it until January?
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