SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. I was left $200,000 in an IRA Beneficiary Distribution Account (BDA) when my father passed. I have 10 years to withdraw this money. I’m at the 35% federal tax rate currently and plan to make a similar annual income over the next 10 years. Taking the money out in one lump sum would not change my federal tax rate but neither would taking it out over 10 years. Is there a benefit to keeping this money in the IR ...