By plan i mean when do you plan to cash out. Is it when you have made enough to buy a car, a house maybe? or are you setting your sights higher?
Personally i'd just like to own my own home, after that i would just play with spare change.
I only do withdrawal if my money grows or have enough profit. I don't sell out my coins and panic selling if the markets dump. I don't want to lose my money in just panic selling if everythings goes red. I will wait till it's going to be green. And about purchasing house, cars, and many thing, yes I also planning to buy a house for my family so that I do all that I can to earn and not to invest in new ICO's because the risk of investing is too high.