How can I decide what to sell when the market is down?

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Keeping cash on the side can stop you from selling at the wrong time.

Indeed, the volatility makes withdrawing money from an account a difficult decision.

There is no perfect solution, said Alexandra Makowski, a certified financial planner with CFS Investment Advisory Services in Totowa. She said if you can afford to do it, wait to see how the market performs after midterm elections before you sell investments to raise funds for your RMD.“This year, is not only an election year, but we also have high inflation, pressure on supply chains, and negative year-to-date stock and bond performance,” she said. “Historically, the market does rally post-election.

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