I've taken half of my RMD this year as QCD's, and I feel good about that. A few of my funds (PRGTX, PRNHX, VPCCX, etc) have surprised me with hefty CG distributions. I'm wondering if I should hold off on the 2nd half (I'm 70½) until 2019, because I'd like to take it as income, and I'm thinking that CG distributions will be lower next year. I'm in the 24% bracket. I have until 12/31 to decide. Any thoughts (all other things being equal)?