I will almost always advocate compounding your investments. Compounding is what makes a return like .9% or even .5% huge. The faster you can compound, the better. I'm going to show you 3 examples of why you should compound even if you weren't going to. The following charts are from compoundaily.com. I recommend using it do develop a compound strategy. They are designed around the crypto mining and investing opportunities out there but the idea can be applied to other investments.
As you can see the first chart is a 0% reinvest and has a nice return. Yet as you go up to 20% and 35% reinvest rate your cash withdrawals go up as well as your principle and net profit. Everything goes up. So why not compound at least some even if you want to take cash along the way.
To be transparent, the one mild downfall is your cash withdrawals will start out smaller depending on your reinvest rate but will catch up and surpass what they would have been if you did 0% reinvest.
So the bottom line, in order to increase your bottom line, is compound.