A few months
probenecid (benemid) is used with penicillin Let time work its magic. Of all the diversification techniques you can employ, time, by far, is the most powerful. Indeed, we have seen again how much patience matters. In the crash of 2008, if you only took out enough money that you would need to live on, for instance, one-thirtieth of all your money, then you would have only suffered a loss on that small portion. And after only five years, the various markets have recovered. Thus, only taking each year what you need to live on is critical. Of course, you may slowly reduce first from the more growth-oriented volatile asset classes as you age, but remember, at least a significant portion of your money needs to keep growing even into your 80s.