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Thanks, Ray.

“Timing really is a lifesaver when you are in the withdrawal phase, because what kills your portfolio is when you withdraw money when the market is way down.”

How well did this simple timing scheme do since 2009?

I haven’t looked into it. I did follow along with the GEM strategy for a while, and I don’t think it was keeping up due to whipsaws.

I’m still not in the withdrawal stage as such. Part-time self-employed. Cash flows out for a while, cash flows in sometimes. It’s unpredictable.
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