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Good morning!

Well, let's start with a question or two.


I'm up an honest 8.2 percent on my self-directed IRA since this time in January. Not a big rise, I guess, but that's just after 3 months.

My question:

Do I take my magic 4 percent NOW?

Or do I sit on that 8.2 percent until year's end, maybe working some more on my investments, at which time it may increase more or even end up being lower?

Might I assume that, if invested properly with some other person or group, that might grow, say, to 4 times as much, or 32 percent, by the end of a full year (4 quarter)? If so, could I maybe take 4.5 percent out and be "daring"?

Just wondering.

Then again, I actually watch what my investments are doing and make changes from time to time (buying or selling along the way), and even cash some out at times, unmindful of anyone else's "rules".

I hope to do better than 8 percent for the year.

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