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Varying withdrawals from different IRAs in a SEPP

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BySlackster

L1: Varying withdrawals from different IRAs in a SEPPI’ve got three IRAs that I will be using for my SEPP calculations. Monthly distributions will be occuring from accounts A and B such that my total monthly distributions will be $2,000 per month. Can I take $2,000 from IRA account A in September and October, and then $1,000 from Account A and $1,000 from Account B for the rest of the SEPP beginning in November? Basically, can I vary the distribution amounts from Account A and Account B so long as I always take $2,000 per month and $24,000 per year?
I understand it is easier to simply wait until November, but there are extinuating circumstances that all but eliminate that as a possibility. 2013-07-17 17:27, By: Slackster, IP: [24.249.251.141]

L2: Varying withdrawals from different IRAs in a SEPPAs long as both A & B are included in the SEPP, all you have to worry about is the $24,000 per year if that is the calculated annual distribution. The amount that you take and when you take it is not a factor as long as you take $24k/year – no more and no less.2013-07-17 18:34, By: Gfw, IP: [205.178.67.189]

L3: Varying withdrawals from different IRAs in a SEPPThanks! That is what I was gathering from the PLRs as well.2013-07-17 18:36, By: Slackster, IP: [24.249.251.141]

L2: July 2103 Mid-Term RateWow… may see another big bounce next month if trends hold.. (I know, I know… big “IF”)2013-06-21 15:24, By: bob85364, IP: [98.145.7.210]

L3: July 2103 Mid-Term RateI don’t have my SEPP started yet, but was curious how conservative a rate some folks may have gone with in the past i.e. below the 120 mid term.2013-06-21 17:20, By: brkr12002, IP: [68.95.173.143]

L4: July 2103 Mid-Term RateWith rates at their current levels, I would expect that most select the maxium rate available.
It shouldn’t be hard to find an investment or investments that will average 1.5% or more over the life of your plan. 2013-06-21 20:13, By: Gfw, IP: [205.178.67.189]

L5: July 2103 Mid-Term RateYes I agree 1.5% not hard to get over a long period of time, especially with my mix of large and small cap stocks.
Mainly I’m just planning for a worst case scenario b/c my SEPP will be either 25-26 years time frame, the associated volatility with such investing that happens in short runs, and acknowledging the fact thatI have a long ways to go b/c of life expentancy (will be 34 later this year)
I’ve always been rather simple and frugal, anda diligent investor and most of my income will come from dividends in my non-retirement account. The SEPP will be established mainly for non-essential expenses, and I will be chopping up the money into 2 IRA accounts (setting a SEPP on one and leaving the other alone for a rainy day).
And yes, I already have a Roth IRA and Roth deferred contributions in my employer plan that won’t be touched until my 60’s, so not really interested in conversions.2013-06-30 15:10, By: brkr12002, IP: [68.95.173.143]

L3: July 2103 Mid-Term RateJobs report pushing up t-bill rates. Starting my SEPP plan in Sept/Oct so hoping for a 2%+ rate for one of those months. (although its killing my bond fund)2013-07-05 16:39, By: bob85364, IP: [98.145.7.210]

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