Everyone needs to have a smart investing strategy in place in order to have an enjoyable retirement. If people do not want to go the company route, they can always choose a Self-Directed IRA Real Estate. Real estate can be a very powerful investment and it is even better when the investor uses incorporated benefits. However, with these accounts once the person reaches 70 years of age, they have to withdraw a certain amount per year. This is known as the minimum required distribution and it can be calculated with a 401K distribution calculator.