The reason I don't want to take it right now is because my IRA is invested in a single stock that has lost 90% of its value over the past 2 yrs ... I am hoping to hold the stock until it rises again enough to get back some of all of my original investment... taking the RMD of $2,756 right now would cost me $23,476 in lost capital ... of course I may NEVER get back my original capital, but the stock has a tendency to RISE every April ... so maybe it is better to "eat" the 50% penalty right now and hopefully in April 2017 take the 2016 RMD at a lesser loss of capital? And then try to explain to the IRS why the distribution was late?
