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Even if we say that it takes a month for the end-of-year statement to get to you from your mutual fund company / brokerage, that's still 11 months to make the withdrawal.

I just got that letter from my broker, where my IRA is held, in early February. But I could see it on-line even earlier, in case I really cared. I do not suppose the broker is required to have it earlier, but mine has it, so they might as well put it on their web site.
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