Subject: When do you take your RMD?
I take mine early in the year so that it is close to the date (12/31) that it is based on. If the market goes up over the course of the year, I don't earn money on what I've withdrawn, but if the market goes down, I come out on the winning side of the bet. In the past couple years I've been on the losing side of the wager. I think that will be changing over the next 2-4 years.