To work around this pro-rata rule if you want to withdraw money before 59.5, you can (if allowed by the plan) roll over the entire IRR subaccount to a Roth IRA. From there you'd do withdrawals using the more favorable Roth IRA ordering rules, in which earnings come out last.
Statistics: Posted by ssel — Fri Nov 14, 2025 10:29 pm — Replies 4 — Views 640