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Since we are in the RMD group, I make it a point to have adequate cash (VMFFX) to cover the RMDs very early each year. Actual withdraws are made at a different time. While I do indeed miss some growth from rising values during the year, I also avoid having to sell more shares if the market tanks.

That is a great idea. So,
what you are saying is, if your portfolio is doing good, that is the time to move to enough cash to handle having to take an RMD in case of a surprise downturn?

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