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Minimum Distribution of Retirement Accounts 2003
Jan L. Warner


Age Distribution Period

70 27.4
71 26.5
72 25.6
73 24.7
74 23.8
75 22.9
76 22.0
77 21.2
78 20.3
79 19.5
80 18.7
81 17.9
82 17.1
83 16.3
84 15.5
85 14.8
86 14.1
87 13.4
88 12.7
89 12.0
90 11.4
91 10.8
92 10.2
93 9.6
94 9.1
95 8.6
96 8.1
97 7.6
98 7.1
99 6.7
100 6.3

From ages 101 to 115 and older, distribution period is 1.9 years.

To figure out your required minimum distribution for this year, take the distribution period across from your age as of the December 31 of last year and divide it into the amount remaining your retirement accounts as of December 31 of last year. In other words, if you were 89 on December 31 of last year and had $96,000 in all of your retirement accounts, on December 31 of last year, you would divide “12” into “$96,000”, meaning that you would be required to withdraw a minimum of $8,000 from your accounts by the end of this year. If you had more than one retirement account, you could withdraw all or a portion of the $8,000 from any of your accounts.

If you own a retirement account and your spouse is more than ten years younger than you, you can use the "Joint Life and Last Survivor Expectancy" that can be found in the free IRS booklet called “Supplement to Publication 590” or you can download the publication in PDF format (Adobe Acrobat) by clicking on the following link:IRS.GOV

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