It's when you have accumulated bitcoin successfully to a stage of overall accumulation that you can consider slowing down or considering the withdrawal systems.
Yep. .it makes more sense to make sure that a guy is withdrawing from extra bitcoin rather than if he were to still be accumulating and he is withdrawing prior to having had reached overaccumulation status.
Talking about that, it makes no sense that one would withdraw from their portfolio when they're yet to meet their target, doesn't show discipline, one of the features of a long-term holder is discipline and if one has set their target to accumulate a certain amount for a decade or more then the person should ensure they stick to the plan, aim at reaching their goal by continous accumulation without withdrawal then like you said, he can choose to withdraw from the extra accumulated coin.
Sometimes people don't realize that they are trading rather than investing so they get lured into selling for the purpose of either taking some risk off the table (which makes no sense since they are supposed to be accumulating), but then they consider that they are not deviating from their original plan since they consider that if the BTC price goes down, then they will just buy back cheaper.. so yes all the actions of a trader, but they think of themselves as an investor, while not necessarily realizing that they have diverted into a different mindset since once investors start to sell and then strategize when to buy back, they are no longer buying regularly, persistently, consistently, ongoingly and for sure not aggressively.
Even if they might be able to buy bitcoin regularly and aggressively, they intentionally or perhaps inadvertantly transformed themselves into both a waiter and a waiter who is overly preoccupied about the price rather than keeping himself focused on ongoingly accumulating bitcoin.. since if they were to be ongoingly accumulating bitcoin, then they are no longer fucking around trying to guess where the BTC price might or might not go, and they would be staying focused on the actual results of ongoingly and regularly growing the size of heir BTC stash.
Getting into a waiting mindset is one step short of becoming bitter and disgruntled and lacking in focus, perhaps even devolving into starting to consider which shitcoins might be less shitty to make up for their not accumulating bitcoin, they may well start to put some of that money into shitcoins.. which is really hard to argue how those kinds of actions would be sufficiently/adequately focused on the actual value rather than guessing and taking unnecessary chances on shitcoins and/or trying to time when to get in and out of bitcoin.
I also want to add that people shouldn't mistake slowing down for a pause or end of accumulation in their portfolio it's simply means that you can reduce the rate of accumulation so far you've met your target, for instance if you were accumulating aggressively before reaching your target you can decide to go slowly after you've achieved your goal and not stop entirely.
Of course there may well be various points in time that guys might start to slow down on the aggressiveness of their BTC accumulation, and surely some guys decide too slow down too early, yet these are still decisions that guys make, and surely there is a difference between a guy who had been accumulating fairly conservatively about 1% to 5% of his annual income each year into bitcoin over 1-2 cycles versus a guy who might have had been more aggressively accumulating between 15% and 25% of his income into bitcoin over the same period. Even though there are no guarantees, it seems that the more aggressive guy is likely going to get to a point in which he has enough or more than enough way more quickly than the more conservative investor. Yet each of them has abilities to monitor and to adjust and sometimes even make mistakes along the way in terms of whether, the diredction and the degree to which they might adjust.
Each of us also has to live with the consequences of whatever choices we make whether we choose to invest too whimpily or even too aggressively, we hopefully are finding a place in which we are not contributing towards damaging ourselves through the approach we ended up taking.