I'm not planning on retiring for another 15-ish years, but have been investing for quite a long time and have seen the debates around when to BUY and how to buy, circling around whether you buy "all at once" or cost average.
What about selling during retirement? My thought is, if you take out say 4% all at once at the beginning or end of the year, you risk taking that 4% out during a market downturn. Where, if you take out .07% every Friday like a 'getting paid weekly' kind of thing, you are able to protect from larger realized capital losses during market downturns.
Any thoughts / conventional wisdom on this? Obviously if that 4% is covered by dividends, it doesn't really matter, but what if you are dealing with principal withdrawals?
Submitted March 02, 2021 at 09:20AM by ithinktherefore88 https://ift.tt/3kB0kUV
