without these tests
没有这些测试
以上为机器翻译结果，长、整句建议使用 人工翻译 。
Others use more complex formulas, but in essence all these tests are an attempt to guestimate how much income retirees can take each year without outliving their assets.
FORBES: "Do-it-Yourself" retirement income for business owners: the capitalization test - Part 1
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