FYI: Many retired Morningstar.com users find themselves with the high-class problem of resenting their required minimum distributions. Their RMDs force them to pull money out of their tax-deferred accounts even though they don't need it for living expenses and trigger tax bills to boot. I've also heard retirees complain that the RMD tables force them into a more aggressive withdrawal rate than they're comfortable with. (Of course, you can always reinvest the money back into other accounts ...)
But RMDs--like taxes--are inevitable. Not taking them isn't an option, since the penalty for missing an RMD is 50% of what you should have taken and didn't--plus the taxes that are due! Even though the penalty can be circumvented if you have a good reason (and file the proper paperwork), that's still a pretty big deterrent.
Regards,
Ted
https://www.morningstar.com/articles/888828/yes-rmds-can-improve-your-portfolio.html
