Annuity Factor vs Ammortization Method

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L1: Annuity Factor vs Ammortization Method>I have been experimenting with the calculator that is provided on this website and have noticed the Ammortization method is having a higher payout under 72t than the Annuity Factor method using the newly announced Revenue Ruling 2002-62. Under the current rules the calculator that I use always shows a higher payout on Annuity Factor compared to the Ammortization Method. Please explain why if possible?
thanks!!2002-10-11 14:11, By: Doug , IP: [127.0.0.1]

L2: Annuity Factor vs Ammortization MethodNo real magic, the new table (released in2002-62)runs to age 115 where the amortization method liquidates all during lifeexpectancy determined as a specific number of years. You would also experience the same results using the 1983(a) or Annuity 2000 tables. The 90CM produces only a slightly higher payment.

Under any mortality table, the longer you live, the longer you are expected to live. Under the amortization method you merely subtract 1 for each passing year, like the term certain calculations under the old Minimum Distribution rules.

2002-10-11 15:13, By: Gfw, IP: [127.0.0.1]