There is no such word as over accumulation of bitcoin in real sense and this should be clear. Is there a time you sell that price won't home any longer??
On the contrary, there is such a stage into your accumulation of bitcoin like over accumulation stage and it is simply when you have surpassed the initial target you set for yourself when you started out buying bitcoin. When each of us get into bitcoin, we are advised to have an accumulation target, buying amounts and a long term holding plan. In bitcoin accumulation, your success is measured by the quantity of bitcoin you have to your portfolio and in a situation you initially set out to accumulate 7BTC within your holding period and you end up with 10BTC, you can see clearly that you have surpassed your initial target of 7BTC, therefore, you are in your over accumulation stage
The anthem is to buy and never sell. Hold for as long as nature allows you without emergency that could drain your backup funds and emergency funds. The longer you hold the better it becomes.
The anthem remains by and hold for long, of course you have the right to sustain yourself with your portfolio after having held for as much as you choose. If you have accumulated bitcoin when you were in active duty with the purpose of using it as your retirement plan, and having held for a good number of years during your work years, you can start to live off your investments upon retirements, hence your portfolio fulfills its purpose.