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I've looked at several different RMD calculators. One of the required inputs to the calculators is the Annual Growth Rate that you expects their their IRA account(s) to experience over time.

Some calculators have notes suggesting that you should use 4% as your Annual Growth Rate once you retire and are no longer contributing to the IRA account.

Some calculators provide notes on the long-term annual average growth rate for the S&P 500. This is generally reported as being between 8-9 percent.

My IRA accounts compound annual growth rate since retiring is 11.75%. Using this rate in the RMD calculators produces fantasy world results of $600K RMD withdrawals in my mid-nineties and IRA account balances three times my current balances.

What would you consider a more appropriate Annual Growth Rate input to an RMD calculator?
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