steelyman
Moderator Emeritus
True, if the money is being spent. But if it is just being withdrawn to meet the requirements of the law, it can be immediately reinvested in whatever asset type it was in before, so no potential for being "stung" by a temporary price dip, and no real impact on the desirable asset allocation (as far as I can tell)
That’s a good point. Speaking only for myself, it’s likely I will spend at least a portion of withdrawals. I think the original owner would have wanted me to enjoy/benefit from the account they saved. My personal retirement accounts (my earnings) I view and manage/use differently.