MYGA · RMD Insurance Calculator

Stop selling stocks at the bottom
to pay your RMD.

See how a small slice of your IRA, parked in a guaranteed MYGA, becomes a smart "RMD valve" — letting you pull from the safe pile in down years while your portfolio stays in for the recovery.

→ Read the article: Why RMD protection is about the sequence, not the annuity

Your numbers

Enter your IRA total, age, and how much you want to anchor in a MYGA.

All your traditional IRAs combined. We'll do the rest.
RMDs start at 73 (or 75 if born after 1959).
A "rainy day" bucket. Default = 10% of your IRA. Change if you want more (15-20%) or less (5%).
Current top MYGA rates: 5.4–6.0% (3–5 year terms).
3 yr5 yr7 yr10 yr
-5%-15%-25%-35%
Historical avg down year: ~-15%. Mild correction: -10%. Bear market: -20–25%. Severe (2008): -37%.
Stress test:
Here's what happens in plain English
You give the carrier
$200,000
a one-time deposit
→
You take back out
$223,000
across 3 years of RMDs
You get $23,000 MORE back than you put in — plus your stock portfolio stays protected from down-year selling.
Your first-year RMD
$81,300
4.07% of IRA at age 75
MYGA locked rate
5.85%
guaranteed for entire term
RMD years covered
3
until contract maturity
Important: RMD is a percentage, not a dollar. It grows every year — 3.77% at 73, 4.95% at 80, 6.25% at 85. The dollar amount you see above is just this year's number. As you age, the percentage (and the dollar amount) climbs.
What you lose over 15 years without RMD insurance
~$65K

Expected loss from being forced to sell stocks during ~4 bad years over a 15-year retirement. Plus the future growth those sold shares would have had (separate, often larger number).

How we got that — 3 simple steps

No fancy math. Just three numbers.

  1. Step 1 — How many bad years in retirement?
    History says markets are down about 1 in every 4 years.
    Across 15 retirement years, expect ~4 bad years.
  2. Step 2 — What does each bad year cost?
    You're forced to sell $81,300 of stocks at the bottom.
    Average bad year drops about 20%.
    = ~$16,300 lost per bad year
  3. Step 3 — Add it up across 15 years
    $16,300 × 4 bad years = ~$65K

Plus the bigger hidden cost: the shares you were forced to sell would have kept growing. Across a 20-30 year retirement at 7% growth, that compounded loss can run $100-300K on top. We don't put it in the headline number because it depends on assumptions — but it's real.

Year-by-year — what actually happens

Each row shows the MYGA balance going down as you pull RMDs, while the interest you've earned along the way keeps adding up.

YearStart balance+ Interest– RMD pulledEnd balance
What this means in one sentence: you give the carrier a one-time $200,000 deposit and receive $223,000 back in guaranteed RMD payments over the next 3 years — earning $23,000 in pure interest while the contract protects you from being forced to sell stocks during a down year.

Want a real quote?

This is an educational illustration. For a live MYGA quote shopped across A-rated carriers (Aspida, Oceanview, Athene, MassMutual Ascend) and sized to your actual IRA, call us.

Call Hans Goldstein · 213-414-2808

Educational illustration only — not a quote. RMD calculated using the IRS Uniform Lifetime Table (2022, post-SECURE 2.0). Aggregation rule allows the total RMD from all your traditional IRAs to be taken from any single contract. Important: contract surrender-charge exemptions on aggregate RMD withdrawals vary by carrier — not all MYGAs honor this. See the article for which carriers we've vetted.