The downside of the RMD is that it creates a situation where your IRA reaches a peak in value and then goes down. The upside is that the total IRA depletion seems to occur around your 115th birthday. Check out an RMD calculator and see. For best results speak with an accountant and an investment advisor. I've seen useful advice on this website of what to do with extra money for reinvestment after you take the mandatory RMD.
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