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<<I am looking for suggestions for interest rate assumption for "Amortization Method" for Significantly Equal Periodic Payments (SEPP) in order to avoid the 10% penalty for early withdrawal.

If you don't have suggestion for rates, what method do you suggest to calculate a rate? I am also looking for rational to support the suggestion.>>

You're fairly safe in using a rate that's between 80% and 120% of the federal mid-term bond rate.

I discussed the methods for use of Section 72t calculations awhile back. Here's a link:

If you haven't read that missive, you should. This is one area where you want to proceed cautiously.

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