My wife and I must start taking the RMD from our IRA’s in calendar 2016. What’s the best discipline to use? Should we use dollar-cost averaging and withdraw 1/12th of the 2016 RMD each month, or withdraw 1/4th each quarter or withdraw the entire amount at the beginning or end of 2016?
Thanks for your feedback.
Terry Says: Why complicate things unnecessarily? You know the money is coming out! If you think the market will collapse in 22016, then get out in January! If you think there will be a rally, then get out at the end. I understand “dollar-cost-averaging” as a way to enter the market, but I think you’ll find it unnecessarily complicates the documentation of your MRD.