DW and I are having a discussion on RMD's. Sometime in 2016 I will have to take a RMD from my IRA which is in the Vanguard Wellesley Admiral fund. We use the RMD's to pay property taxes, income taxes, DW's "necessities", and maybe buy another CD, etc. I say that regardless of where the market is at the moment, it won't make a difference whether I take the RMD when the market is on the high side or the low side. DW thinks I would be better off taking the RMD now while the market is going up rather than four or five months from now assuming the market will take a down turn. Kind of like market timing. Maybe it makes sense to take the RMD on the high side but the only advantage would be if you know the market will be lower for the rest of the year so your fund could buy more. Your thoughts please. Is this confusing?