For those who inherited an IRA a year ago and haven't taken any RMD yet, and 60 years old, which is preferable? Taking a lump at the end of the year, or dispersing it monthly, or letting it build up and compound? And say you are going to take it as a lump at the end of the year, wondering if it would be better to take it on a day when the account is doing well, or on a day when it has dipped.