 every year and you can get five percent or six percent or ten percent or whatever it's in order to get the maximum tax deduction normally you want to take a five percent income and then you may also be able to earn a trustee fee for your family depending on how it's set up but let's just stick with five percent as the example so if you have that million dollars you put in res then you got rid of the capital gains you had a giant tax deduction and now you're getting fifty thousand dollars a year of pension and for the rest of your life