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then I can [not?] think of a good reason to ever wait until December. Can anyone else?

Telegraph's point about a large drop by year-end is valid, you may have to take out your RMD based on a much larger EOY value of the previous year.
But...most years the December value is larger than the previous December value.

I once did a backtest comparing Jan vs. Dec withdrawals. IIRC it was historically better to take RMD in Dec than Jan.
Ah-ha! Found it. I even uploaded it back then. https://www.dropbox.com/s/d4y862pc3g2im1m/RMD-when%20to%20ta...


Looking it over, the worst year for the S&P500 (in the 1975 to 2005 period) was -22%. 2nd worst was -12%. But for gains, there were: 28%, 22%, 37%, 32%, etc.
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