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But late in 2009 one might have considered taking more than their RMD out of their 401k, as an example. Even you and I probably knew that we might have been transferring money at a good time when the SP500 was at $668, no? But, I get your point.

PLEASE--Don't assume anything I do. I rarely trade stocks-I haven't SOLD one share in about a year. I remain, most of the time fully invested--I currently only have 9 securities in all my portfolios. I avoid trading to avoid making mistakes The portfolios are geared towards tax deferred income---Because income IMHO is more stable than capital gains. A stock's price can change every trade, while the income can stay the same most of the time and increase a lot faster that it can go down. I don't see any connection between the S&P 500 and any stock sale I may desire to make.. My decision is to take the RMD's out of the IRA in early January(The law says I have to take them out in the calendar year, and since I don't like to make market timing decisions- I just do it- AND IT'S Done) and I don't have to think about it anymore. Then, since I rarely trade--I can go back to doing nothing but waiting for more tax deferred dividends to come into my portfolios- For example One stock was due to drip shares into 4 accounts today-AND THEY DID-Good-
1) Tomorrow another stock goes X-Div and will drip shares in 3 accounts on the 29th and paycash in another account
2) On March 22 another stock will drip shares into One Account
3) On March 25 another stock will drip shares into 3 accounts and pay cash into 3 other accounts
4)On March 29 Another stock will drip shares into 2 accounts and Pay cash into 2 other accounts
5) On April 2 Another stock will go X-Div and pay me cash in 3 accounts and drip shares in 2 more

So I have a lot of things to do without having the RMD's to think about.

Since I can't do anything about it--So I just do it and forget about it.

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