Interesting reading!
Taxes Federal Employees Will Face in Retirement : FedSmith.com
"the biggest mistake that traders make is to let these short-term trades turn into longer-term investments when they don’t work." RevShark
An interesting nuance is the different way one's contributions are treated. A portion is included in the annuity each year and considered returned and thus taxfree. However, for purposes of the amount remaining in the account in the event of death of the annuitant, the contributions are considered fully withdrawn by the total annuity amount each month, leaving little for an heir after 18 months. If your account balance started at $150k or $200k, and initially it looked like a declining life insurance policy, it ain't. What changed from the old days rules was the decision to apportion the contributions over life expectancy. They left in place the policy of complete withdrawal at the beginning years of retirement.
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