@Timocracy As others have mentioned, always talk to a certified financial planner, before taking advice from others. That being said, if you don't need to do any RMDs during that period, leave everything alone, to wait it out. Just have enough free cash on hand (in banks), that won't require liquidating other assets. You don't want to be forced to sell assets when the prices drop. Unless you're out of the country, everything dollar will still work normally.