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Copypro writes:

<<I understand why you take one withdrawal per year for the sake of simplicity and reallocating investments. But wouldn't it be better (from an investment point of view) to take, say, quarterly withdrawals and leave more funds working in the portfolio?>>

That would not be in concert with the Foolish Four strategy, which revolves on a specific anniversary date for trading. Also, just because the cash for the year is taken all at once, that doesn't mean it sits idle until it's used. It goes into interest paying vehicles until needed for expenses. These include interest paying checking accounts and short-term CDs. Thus, it continues to earn money while out of the IRA and until it's actually used.

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