The Extra-plan Time is also the actual value and no utilization rate considered.

Extra-plan 时间就是实际的值，不会考虑使用频率。

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An alternate value of the plan would drop the tax on smaller deposits considerably while pushing the top tax rate up to 12.5%.

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Knowing when your employer intends to integrate the corporate bond rate into your plan, and the impact this will have on your lump-sum value, is crucial for your retirement planning.

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