long term no.
can you really time it in the short term? No.
One can argue that since the market goes up 75% year over year generally the best time to take it would be at the end of the year after equity values have risen (selling less shares at the end of the year relative to had you sold at the beginning of the year). But in the other 25% of the years when the market is lower at the end of the year than the beginning, you'll be selling assets at lower prices (meaning selling more shares than you would have if you sold at the beginning of the year). Of course you can sell bonds during times when markets fall and sell stocks when markets rise. And so on.
others might argue if you wait til the end of the year, you could forget or die before taking it, etc. So if you want to get it over with and out of the way why not just take it at the beginning of the year since you know the RMD you have to take and at least are locking that amount in for the rest of the year and leaving ease for heirs should you die before the end of the year (you'll have already taken the RMD).
otherwise trying to time selling shares is just as problematic as trying to time buying shares.
can you really time it in the short term? No.
One can argue that since the market goes up 75% year over year generally the best time to take it would be at the end of the year after equity values have risen (selling less shares at the end of the year relative to had you sold at the beginning of the year). But in the other 25% of the years when the market is lower at the end of the year than the beginning, you'll be selling assets at lower prices (meaning selling more shares than you would have if you sold at the beginning of the year). Of course you can sell bonds during times when markets fall and sell stocks when markets rise. And so on.
others might argue if you wait til the end of the year, you could forget or die before taking it, etc. So if you want to get it over with and out of the way why not just take it at the beginning of the year since you know the RMD you have to take and at least are locking that amount in for the rest of the year and leaving ease for heirs should you die before the end of the year (you'll have already taken the RMD).
otherwise trying to time selling shares is just as problematic as trying to time buying shares.
Statistics: Posted by arcticpineapplecorp. — Fri Dec 13, 2024 11:39 am — Replies 1 — Views 29