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Otherwise, why not take it in January and reinvest it? The performance remains the same and you benefit from better tax rates in most cases on the dividends and any future long term capital gains.

If you are going to reinvest the RMD, then it doesn't matter when you take it. The same investment has the same return regardless of which account you hold it in.

The presumption of the question assumes you are going to spend the RMD. Which, I think, most people will. Otherwise you'd just an in-kind withdrawal.
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