Gone4Good
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Sep 9, 2005
- Messages
- 5,381
Stock markets tend to go up more often than they go down. Therefore getting your money into the market as early as possible will be the best option over time when building the portfolio. So during the withdrawal phase, leaving your money in as long as possible and delaying your RMD until the end of the year should work to your advantage more years than not.
Of course volatility works against you during deaccumulation. So maybe the right answer is to sell out of Wellesley in the IRA completely and swap it for something in your AA that is less volatile. That leaves your Wellesley allocation to do it's thing without worry of needing to sell at inopportune times.
Of course volatility works against you during deaccumulation. So maybe the right answer is to sell out of Wellesley in the IRA completely and swap it for something in your AA that is less volatile. That leaves your Wellesley allocation to do it's thing without worry of needing to sell at inopportune times.
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