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Thanks for your answer, Pixy. I apologize for mispelling your name.
I don't yet quite understand the difference. Guess I'll have to get out the old pad and pencil and the tax form and figure things both ways to see the difference. That is what I usually have to do. Be easier to use professionals, I guess, but I really like to understand things myself when it comes to my money.
I will probably contact my mutual fund families to find out whether they object to what I'm doing. I suspect they don't care as long as they don't have to make the calculations on what I withdraw. Why should it make a difference to them?
Thanks again.
Lucy
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