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I've been lurking around the Retirement board searching for advice on which optional retirement plan to choose, and now I'm searching for some tax help. I could either choose the state retirement plan or the optional plan, and one can never ever ever switch between the two. This is a requirement; I do not have a choice of taking part or not. On top of the optional retirement plan I also have a 403(b), and will soon start a Roth IRA.

Besides the awful state retirement plan, I have a choice of going with annuitites from Aetna, VALIC, or TIAA-CREF. Those are my only choices. The payout at retirement differs from lifetime annuities, minimum required distributions, fixed amounts, or lump sum withdrawls.

Upon retirement:
1). what tax rate are lifetime annuities charged?

2). what tax rate are lump sum withdrawls charged?

3). what tax rate are minimum withdrawls charged (taking only the minimum required by law)?

4). what tax rate are annuities charged with a fixed period (say, 10 or 20 years)?

Any help would be appreciated.

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