If I “cash in” (kick the bucket) then I won’t worry about my investments! I was initially responding to Padlin’s post.
Or, at least in the US, if you are over 70 1/2, your minimum distribution ie $ you must withdraw from your 401 / 403b during 2020, is based on the fund's value as of December 31, 2019. That depletes things a bit faster than one would like under the current market.