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Hi Gene,

We keep another 2 years split between 2 Roth IRA's at 4.5%.

What's giving you a 4.5% return in your Roth IRA? Do you have any concerns about loss of principle in these investment(s)? Is that in the area described as "Top 10 Income Producers" in your profile?

I do have a question: What is the importance of 11 years? What happens then?

In 11 years, the dude has a pension and social security that will fund him going forward.

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