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  <title>RMDs, Taxes and Annuities! </title>
  <description>If you’re 72 or older, the government makes you take Required Minimum Distributions every year.&amp;amp;nbsp; RMDs consume a percentage of your retirement assets.&amp;amp;nbsp; But thanks to new data that shows Americans living longer, the IRS has revised the RMD tables so that they’re at a lesser percentage.&amp;amp;nbsp; That means fewer taxes to pay.&amp;amp;nbsp; That seems like good news, right?&amp;amp;nbsp; Does this change your thinking about the IRA to Roth conversion?&amp;amp;nbsp; An annuity is simply a contract between you and an insurance company.&amp;amp;nbsp; In exchange for a lump sum, it promises periodic payments for a certain period.&amp;amp;nbsp; Annuities and 401(k)s both can provide long-term savings, tax-deferred growth and probate-free way of passing assets to beneficiaries.&amp;amp;nbsp; But an article on the NASDAQ market site makes the argument that an annuity is better than a 401(k), especially later in life.&amp;amp;nbsp; With all the negative press on annuities, is there a change of heart happening here … even on Wall Street?&amp;amp;nbsp; &amp;amp;nbsp; </description>
  <author_name>Retire Texas Style!</author_name>
  <author_url>http://www.retiretexasstyle.com</author_url>
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