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My plan is to grow the balance of the IRA by ~2%/year above the rate at which I'm withdrawing funds.

Does part of your plan involve doing something about inflation? If you succeed in growing the balance by a net 2% per year, you may end up with less spending power when you reach 59½. That's why stocks are an important component of a portfolio that needs to last for a while. The safe withdrawl rate is much lower for a no-stock portfolio.

If you have stocks in another account, then never mind.

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