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I've been tracking the falling value of my IRA, wondering--hoping against the possibility--whether it would fall so far as to yield a lower RMD next year than this. Today, finally, the balance fell to the point (4.6% below year end 2017) where next year's RMD, if there's no recovery, will be ever so slightly less than it was this year.

That same thing happened at the end of 2015. Every other year (since RMDs started for me, at the start of 2013) the RMD amount has increased, largely of course because the fraction gets a bit larger, but also because (thanks in great measure to Fool advice) the IRA balance has been growing pretty steadily. It has to drop a lot, given the math, to negatively affect the RMD. This year looks to be doing it.

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