I'm only an ignorant amateur with this stuff, and my simple understanding is that the overall amount of your RMD to be "taken" in 2021 is calculated on the basis of a snapshot of your account value on a certain date - I think ending of 2000. Unless the reg/method changes, the same would be true for the RMD in 2022 - based on value of account at end of 2021.
1. If someone is saying that the date on which one chooses to "take" the RMD during 2021 would affect its amount, I don't understand that idea.
2. If someone is talking about management of the account for balance and effect on earnings during 2021 as we normally try to do in dealing with interest fluctuations - the timing of one "taking" the 2020 based RMD could have effect on the 2021 final snapshot and, thus, the RMD outcome as"taken" in 2022.
Which would it be?
