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Greetings, Howard2B, and welcome. You asked:

<<Here then is my question. I am going to retire in 2 months and I was looking for a way to calculate a Substantially Equal Periodic Payment (SEPP). There are 3 IRS recommended ways for the calculation: 1) Life Expectancy, 2) Amortization, and 3) Annuity PLan. I am trying to come up with a investment factor used for method 2) or a UP 1984 Mortality Table and interest rate used for method 3), single or double life that will give me certain amount distribution per a year.

Can anybody tell me where I can obtain the investment factors for method 2)?
Can someone tell me how to obtain a current UP 1984 and how to calculate a factor based on a certain interest rate?

These questions have become pertinent to many people who are retiring before 59 1/2 with lump sums.>>


As TheBadger pointed out, the factors for methods 1 and 2 can be found in IRS Publication 590, Individual Retirement Arrangements. That's available for download at www.irs.gov. The mortality tables needed for method 3 are available in any good business library.

BTW… You may want to read some additional background material on this subject I posted on this board at http://boards.fool.com/registered/Message.asp?id=1040013000805003&sort=postdate , http://boards.fool.com/registered/Message.asp?id=1040013000857001&sort=postdate , and http://boards.fool.com/registered/Message.asp?id=1040013000806003&sort=postdate . They will give you some more things to think about relevant this issue.

Regards….Pixy
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