| Annuity inside a conventional IRA
A fraction of my conventional IRA is in the form of an Annuity.
The Annuity is already Annuitized
I receive monthly regular payments, that may change year to year.
In 2015 I will be subject to MRD.
Does the Annuity amount add to the sum of all conventional IRAs?
In my way of thinking an annuitized annuity is already distributed targeting depletion by the end of my actuarial life, therefore should not be included in the MRD calculations.
The distribution rate is 1/20th of the value, already greater than the 1/27.4 specified as MRD, at least for a few years.
Still I need to know the IRS rule.
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