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Subject:  Re: RMDs to change to 72 Date:  5/27/2019  9:34 AM
Author:  BruceCM Number:  93727 of 100398

At age 70, the Uniform Lifetime Table III assumes that you will live to the age of 97.4. What percentage of 70 year olds will live to that age when 50% of that population is expected to die in 14.40 years?

The Uniform Table is actually a joint-life survivorship table. The table assumes the beneficiary is exactly 10 years younger than the IRA owner regardless of the actual age of the beneficiary (unless the spouse is greater than 10 years younger and is the sole beneficiary...who can then use Table II) and is used as the standard even when there is no beneficiary, hence the number of life-expectancy months remaining will be the owner + 10-year-younger beneficiary. Its a compromise but is a lot easier to use than the joint life expectancy table used prior to 2002.

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