If you don't need it right now, than just place it in some low cost index funds that match the asset allocation you have selected. At 70 you should have an AA of 30/70 or 40/60 stocks/bonds. So just buy Vanguard total stock market with 40% and Vanguard total bond market with 60% and each year add those RMD to this already taxed fund account. Very little to no tax impact and the money is easy to get should you need it.
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Life is to short to drink cheap wine.
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