Many factors to consider:

1. all existing fund bal will be reduced on a pro rated basis. so you might miss a strong k
mkt rally.

2. interest paid to oneself, among the cheapest source of funds. however interests are paid with non-deductible after tax money, which will be taxwd again upon final withdrawal.

3. money taken out can be leveraged up with mortgage loan or broker margin loan.

just my 2c.