Timing Withdrawls of Invested Funds

Adam Shell notes that we are living in a volatile financial times . Shell notes that tapping retirement reserves in a down market can ravage the value of the investment. He cites Amy Arnott that "Taking the same withdrawals early in retirement during an up market allows you to maintain your account value over the long term while paying yourself along the way" (para. 3). He notes that Arnott also recommends "to set aside a bucket of cash [from your investments] equal to one or two years’ worth of living expenses so you can ride out a lengthy market storm without having to sell . . . (para. 10).

-DD