On the other hand, taking money out at a market peak might increase your payout, but it might also result in lost chances for future gains. Your timing decisions should be informed by boyono lite vs yonoth market conditions and your unique situation. It might be wiser to start taking money out gradually rather than waiting until you are completely retired, for instance, if you are getting close to retirement age and intend to use your savings for living expenses. This method gives your investments time to grow while allowing you to evaluate your spending requirements.

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