Question... is the $478 a month or the top al for the year. What if you didn't withdraw and wait until the pps goes up, what are the tax or penalty complications????
Can you take a lose on your cost average bases??????
I would reinvest into a brokerage if you don't need the money..... why lose out on such potential growth even if you have to pay taxes base on your tax bracket

Check with a tax advisor .....