Thanks for the question. According to IRS rules, minimum required distributions (MRDs) must begin the year you turn 70½, and these rules apply whether or not your account has capital gains or losses.
For your first MRD only, you have until April 1, 2017, to withdraw the funds. All subsequent MRDs must be taken by December 31 of each year. However, if you wait until April 1, 2017, to take your first MRD you will also have to take your second MRD that same year before December 31.
If you choose to delay, the two MRDs taken next year will be counted as income for the same tax year, so that might affect your tax situation. If you’re considering this, you may want to discuss your situation with your tax advisor.
Here is a link to our Learning Center article about taking your first MRD, and the decision to delay or not. https://www.fidelity.com/learning-c...
Please visit our Retirement Distribution Center (RDC) to see an estimate for your MRD, track your distributions toward meeting your requirement, as well as a link to enroll in automatic withdrawals for MRDs. This page offers more information about our Retirement Distribution Center, and includes a link to get you there: https://www.fidelity.com/retirement...