For a 72t/SEPP situation I move enough funds to a "safe bucket" where the 72t withdrawal is taken out of. When I do this I try to pick it on at least an up day.
Hard to see the intraday movements of mutual funds so I found "corresponding" (over several years) ETFs to the mutual funds I have in my 72t account.
I used this tool to find them: Mutual Fund to ETF Converter | ETF Database
How It Works: The Mutual Fund to ETF Converter allows investors to identify ETF alternatives to traditional actively-managed mutual funds. This tool utilizes mutual fund benchmarks to determine the most comparable ETF alternative.
Limitations: Currently, the Mutual Fund to ETF Converter contains information on the largest U.S. 10,000 mutual funds.
I can watch the ETF during the day and decide to move some of the money on modest up days.
Does it (move on up days) matter in the grand scheme? Only slightly but better than a few hundred dollar shift on the down days.